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$6,006
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$189/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,771
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,764/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$6,681
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$182/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,413
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,084/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$7,207
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,431
−HK$228/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,125
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,318/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$8,018
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$218/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,896
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,902/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$8,408
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$265/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,479
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,870/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$9,354
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$254/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$520/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,718/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$10,810
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$341/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,976/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$12,026
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$327/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,352/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).