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$6,034
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,222
−HK$190/mo
Today · 4.125%
HK$6,412
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,824/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$6,713
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,893
−HK$182/mo
Today · 4.125%
HK$7,075
baseline
▲ 0.50% · 4.625%
HK$7,448
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,150/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$7,241
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$229/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,390/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$8,055
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$219/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,980/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$8,447
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$267/mo
Today · 4.125%
HK$8,977
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,954/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$9,398
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$255/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,428
+HK$523/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,810/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$10,861
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$343/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$702/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,084/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$12,083
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$329/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,407
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,472/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).