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$5,970
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,155
−HK$189/mo
Today · 4.125%
HK$6,344
baseline
▲ 0.50% · 4.625%
HK$6,730
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,688/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$6,641
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$181/mo
Today · 4.125%
HK$7,000
baseline
▲ 0.50% · 4.625%
HK$7,369
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,000/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$7,163
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,386
−HK$227/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,226/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$7,969
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$217/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,843
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,800/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$8,357
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,617
−HK$264/mo
Today · 4.125%
HK$8,881
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$541/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,762/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,297
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$253/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$516/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,600/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,745
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$340/mo
Today · 4.125%
HK$11,419
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,838/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$11,954
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$325/mo
Today · 4.125%
HK$12,600
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,200/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).