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$6,024
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$190/mo
Today · 4.125%
HK$6,402
baseline
▲ 0.50% · 4.625%
HK$6,792
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,804/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$6,702
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$182/mo
Today · 4.125%
HK$7,064
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,128/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$7,229
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$229/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$467/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,366/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$8,042
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$219/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,954/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$8,434
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$267/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$545/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,926/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,383
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$255/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,780/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,844
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$343/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,048/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$12,064
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$329/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,432/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).