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$5,990
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,176
−HK$190/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,753
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,732/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$6,664
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$181/mo
Today · 4.125%
HK$7,024
baseline
▲ 0.50% · 4.625%
HK$7,394
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,048/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$7,188
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$227/mo
Today · 4.125%
HK$7,639
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,278/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$7,997
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,211
−HK$218/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,873
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,858/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$8,386
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,647
−HK$265/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,824/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$9,329
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$253/mo
Today · 4.125%
HK$9,833
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$519/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,666/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$10,782
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$341/mo
Today · 4.125%
HK$11,458
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,916/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$11,995
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$326/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,286/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).