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$6,031
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,219
−HK$190/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,818/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$6,709
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$183/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,144/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$7,237
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$229/mo
Today · 4.125%
HK$7,691
baseline
▲ 0.50% · 4.625%
HK$8,159
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,382/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$8,051
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$219/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,972/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$8,443
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$267/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$546/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,946/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$9,393
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$256/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$522/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,802/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$10,856
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$344/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,074/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$12,077
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$328/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,458/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).