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$5,991
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,177
−HK$190/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,754
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,734/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$6,665
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$181/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,050/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$7,189
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$227/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,280/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$7,998
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$218/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,860/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$8,387
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$265/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,456
+HK$543/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,826/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,331
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$254/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,670/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,784
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$341/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,920/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$11,997
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$326/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$667/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,290/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).