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$6,000
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$190/mo
Today · 4.125%
HK$6,376
baseline
▲ 0.50% · 4.625%
HK$6,764
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,752/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$6,675
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,854
−HK$181/mo
Today · 4.125%
HK$7,035
baseline
▲ 0.50% · 4.625%
HK$7,406
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,070/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$7,200
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$227/mo
Today · 4.125%
HK$7,651
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,302/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$8,010
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$217/mo
Today · 4.125%
HK$8,442
baseline
▲ 0.50% · 4.625%
HK$8,888
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,884/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$8,400
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$266/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,854/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,345
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$255/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,800
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$341/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,954/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,015
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$327/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,331
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,328/mo (50% DSR)
Upfront cash ≈ HK$263K (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).