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$5,957
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$188/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,662/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$6,628
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,805
−HK$181/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,354
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,972/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$7,149
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$226/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$462/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,194/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$7,953
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$217/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,766/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$8,340
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$263/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$540/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,726/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$9,279
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$253/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$515/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,560/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$10,723
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,792/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$11,930
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$324/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,148/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).