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$5,999
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,186
−HK$189/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,750/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$6,674
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$181/mo
Today · 4.125%
HK$7,034
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,068/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$7,199
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$227/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,116
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,300/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$8,009
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$218/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,882/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$8,399
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$265/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,850/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$9,343
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$254/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,696/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$10,798
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$341/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,950/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$12,013
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$327/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,324/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).