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$6,011
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,198
−HK$190/mo
Today · 4.125%
HK$6,388
baseline
▲ 0.50% · 4.625%
HK$6,777
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,776/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$6,687
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$181/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,420
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,096/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$7,213
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,438
−HK$228/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,132
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,332/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$8,025
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$218/mo
Today · 4.125%
HK$8,458
baseline
▲ 0.50% · 4.625%
HK$8,904
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,916/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$8,415
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$266/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$544/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,886/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,362
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$255/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$520/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,820
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$22,996/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$12,037
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$327/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,374/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).