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$5,977
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,163
−HK$189/mo
Today · 4.125%
HK$6,352
baseline
▲ 0.50% · 4.625%
HK$6,738
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,704/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$6,649
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,828
−HK$181/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,378
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,018/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$7,172
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$226/mo
Today · 4.125%
HK$7,622
baseline
▲ 0.50% · 4.625%
HK$8,086
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,244/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$7,979
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$217/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,854
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,820/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$8,368
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$265/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,786/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$9,309
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$253/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,329
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,624/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$10,759
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$340/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,866/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$11,969
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$326/mo
Today · 4.125%
HK$12,616
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,232/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).