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$5,961
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,146
−HK$189/mo
Today · 4.125%
HK$6,335
baseline
▲ 0.50% · 4.625%
HK$6,720
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,670/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$6,632
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,809
−HK$181/mo
Today · 4.125%
HK$6,990
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,980/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$7,153
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,376
−HK$226/mo
Today · 4.125%
HK$7,602
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$462/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,204/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$7,958
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$217/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,776/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$8,345
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$264/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$539/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,738/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,284
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$253/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,572/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,730
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$339/mo
Today · 4.125%
HK$11,403
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$694/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,806/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$11,937
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$325/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,245
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,164/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).