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$5,974
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$188/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,696/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$6,646
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$181/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,010/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$7,168
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$227/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,189
−HK$217/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,812/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$8,363
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$265/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$540/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,776/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$9,304
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$254/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,614/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$10,753
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$340/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,854/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$11,962
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$325/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,216/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).