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$5,960
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,145
−HK$189/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,719
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,668/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$6,631
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,808
−HK$181/mo
Today · 4.125%
HK$6,989
baseline
▲ 0.50% · 4.625%
HK$7,357
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,978/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$7,152
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$226/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$462/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,202/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$7,957
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$217/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,774/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$8,344
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$263/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$540/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,283
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$252/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,568/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,728
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$339/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$694/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,802/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,935
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$325/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,160/mo (50% DSR)
Upfront cash ≈ HK$261K (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).