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$5,975
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$189/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,736
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,698/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$6,647
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,825
−HK$181/mo
Today · 4.125%
HK$7,006
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,012/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$7,170
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$226/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,238/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$7,976
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$217/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,814/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$8,364
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$264/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,778/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,305
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$253/mo
Today · 4.125%
HK$9,808
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,616/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,754
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$340/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,858/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$11,964
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$325/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,220/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).