The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,014
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,201
−HK$190/mo
Today · 4.125%
HK$6,391
baseline
▲ 0.50% · 4.625%
HK$6,780
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,782/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,690
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,870
−HK$182/mo
Today · 4.125%
HK$7,052
baseline
▲ 0.50% · 4.625%
HK$7,424
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,104/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,217
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$228/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$467/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,338/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,028
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$218/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,908
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,924/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,419
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$266/mo
Today · 4.125%
HK$8,947
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$545/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,894/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,366
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$255/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$520/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,746/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,825
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$342/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,204
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,008/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,043
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$327/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).