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$5,979
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$189/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,741
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,708/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,652
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$181/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,381
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,022/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,175
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,398
−HK$227/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,089
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,250/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$7,982
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,196
−HK$218/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,828/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$8,371
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$265/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$541/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,792/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,313
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$253/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$517/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,632/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,763
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$340/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,876/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,974
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$325/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,286
+HK$666/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,240/mo (50% DSR)
Upfront cash ≈ HK$262K (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).