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$377/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$190/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,760
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,746/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$6,671
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$181/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$371/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,062/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$7,196
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$227/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,294/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$8,005
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$218/mo
Today · 4.125%
HK$8,438
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,876/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$8,395
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$266/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$542/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,844/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$9,339
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$254/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,688/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$10,794
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$342/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$697/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,942/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$12,008
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$327/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,314/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).