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$5,955
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,140
−HK$188/mo
Today · 4.125%
HK$6,328
baseline
▲ 0.50% · 4.625%
HK$6,713
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,656/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$6,625
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$180/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,964/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$7,146
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$226/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$8,056
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,188/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,949
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$216/mo
Today · 4.125%
HK$8,379
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,758/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,337
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$263/mo
Today · 4.125%
HK$8,859
baseline
▲ 0.50% · 4.625%
HK$9,398
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,718/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$9,274
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$252/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$516/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,550/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$10,718
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$339/mo
Today · 4.125%
HK$11,391
baseline
▲ 0.50% · 4.625%
HK$12,084
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,782/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,924
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$324/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,136/mo (50% DSR)
Upfront cash ≈ HK$261K (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).