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$5,983
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,169
−HK$190/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,745
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,718/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$6,656
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,835
−HK$181/mo
Today · 4.125%
HK$7,016
baseline
▲ 0.50% · 4.625%
HK$7,386
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,032/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$7,180
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$227/mo
Today · 4.125%
HK$7,630
baseline
▲ 0.50% · 4.625%
HK$8,095
+HK$465/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,260/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$7,988
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$217/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,838/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$8,377
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$265/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$542/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,804/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$9,319
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,569
−HK$253/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$518/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,644/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$10,770
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$340/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,142
+HK$697/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,890/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$11,982
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$326/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$666/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,258/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).