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$5,995
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,181
−HK$190/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,758
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,742/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$6,669
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$182/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,060/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$7,194
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$227/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,290/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$8,003
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$217/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,870/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$8,393
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,838/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,337
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$254/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,682/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,791
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$341/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,165
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,934/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$12,005
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$326/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,306/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).