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$5,972
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,157
−HK$189/mo
Today · 4.125%
HK$6,346
baseline
▲ 0.50% · 4.625%
HK$6,732
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,692/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$6,643
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$180/mo
Today · 4.125%
HK$7,002
baseline
▲ 0.50% · 4.625%
HK$7,371
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,004/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$7,166
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,389
−HK$226/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,230/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$7,972
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$217/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,806/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$8,360
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$264/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,768/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,301
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$253/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,606/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,749
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,083
−HK$340/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,846/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$11,958
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$325/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,208/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).