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$5,987
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$190/mo
Today · 4.125%
HK$6,363
baseline
▲ 0.50% · 4.625%
HK$6,750
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,726/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$6,661
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$182/mo
Today · 4.125%
HK$7,021
baseline
▲ 0.50% · 4.625%
HK$7,391
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,042/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$7,185
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,270/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$7,993
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$218/mo
Today · 4.125%
HK$8,425
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,850/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$8,382
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$265/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,450
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,816/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,325
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$254/mo
Today · 4.125%
HK$9,829
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,658/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,777
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$341/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,906/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$11,989
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$326/mo
Today · 4.125%
HK$12,637
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,274/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).