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$6,032
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,219
−HK$191/mo
Today · 4.125%
HK$6,410
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,820/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$6,710
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,890
−HK$183/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,146/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$7,238
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$229/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,384/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$8,052
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$219/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,974/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$8,444
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,707
−HK$267/mo
Today · 4.125%
HK$8,974
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,948/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,394
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,646
−HK$256/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$521/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,857
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$344/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$702/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,076/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,078
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,402
−HK$329/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,462/mo (50% DSR)
Upfront cash ≈ HK$265K (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).