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$5,996
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,182
−HK$189/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$388/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$6,670
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$181/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$371/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$7,195
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$228/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,111
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,292/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$8,004
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$217/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,881
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,872/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$8,394
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$265/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,463
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,840/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$9,338
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$254/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,684/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$10,792
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$341/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,938/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$12,006
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$327/mo
Today · 4.125%
HK$12,655
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,310/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).