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$5,984
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$189/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,746
+HK$387/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$6,657
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$181/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,386
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,034/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$7,181
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,404
−HK$227/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,095
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,262/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$432/mo
▼ 0.25% · 3.875%
HK$8,203
−HK$217/mo
Today · 4.125%
HK$8,420
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,840/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$526/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$265/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$541/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,806/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$9,320
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$253/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$518/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,646/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$10,771
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$340/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$697/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,892/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$11,983
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$326/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$666/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,260/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).