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$5,998
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$190/mo
Today · 4.125%
HK$6,374
baseline
▲ 0.50% · 4.625%
HK$6,762
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,748/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$6,672
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$182/mo
Today · 4.125%
HK$7,033
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$370/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,066/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$7,197
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$227/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,114
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,296/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$8,007
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$217/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,878/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$8,397
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$265/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,846/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$9,341
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$254/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,692/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$10,796
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$341/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,946/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$12,010
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$327/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,318/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).