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$6,007
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$190/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,766/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$6,682
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,861
−HK$182/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,086/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$7,208
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,432
−HK$228/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,126
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,320/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$8,019
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$218/mo
Today · 4.125%
HK$8,452
baseline
▲ 0.50% · 4.625%
HK$8,897
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,904/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$8,409
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,671
−HK$266/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$543/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,874/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$9,355
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$255/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,722/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$10,812
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$342/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,980/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$12,028
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$327/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,356/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).