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$6,006
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$190/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,771
+HK$388/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$7,414
+HK$371/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$8,018
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$219/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$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$266/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,872/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$505/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$254/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$520/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,720/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$10,811
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,148
−HK$341/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$700/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,978/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$649/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$327/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$669/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,354/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).