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$5,982
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,168
−HK$189/mo
Today · 4.125%
HK$6,357
baseline
▲ 0.50% · 4.625%
HK$6,744
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,714/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$6,655
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,834
−HK$181/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,384
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,030/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$7,179
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,402
−HK$227/mo
Today · 4.125%
HK$7,629
baseline
▲ 0.50% · 4.625%
HK$8,093
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,258/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$7,986
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$217/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,834/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$8,375
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$265/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$542/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,800/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,317
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$253/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$518/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,640/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,768
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$340/mo
Today · 4.125%
HK$11,443
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,886/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,979
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$326/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$666/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,252/mo (50% DSR)
Upfront cash ≈ HK$262K (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).