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$6,001
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$189/mo
Today · 4.125%
HK$6,377
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,754/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$6,676
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,855
−HK$182/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,407
+HK$370/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,074/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$7,201
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$228/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,306/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,011
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$218/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,888/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,401
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$265/mo
Today · 4.125%
HK$8,928
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,856/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,346
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,597
−HK$254/mo
Today · 4.125%
HK$9,851
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,702/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,802
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$341/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,177
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,958/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,017
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$327/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,332/mo (50% DSR)
Upfront cash ≈ HK$263K (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).