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$5,978
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$189/mo
Today · 4.125%
HK$6,353
baseline
▲ 0.50% · 4.625%
HK$6,739
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,706/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$6,650
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,828
−HK$181/mo
Today · 4.125%
HK$7,009
baseline
▲ 0.50% · 4.625%
HK$7,379
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,018/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$7,173
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$227/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,087
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,246/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$7,980
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$217/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,822/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$8,369
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$265/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$541/mo
Deposit HK$786K · loan HK$1.84M · min. income ≈ HK$17,788/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$9,310
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$253/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$517/mo
Deposit HK$786K · loan HK$1.84M · min. income ≈ HK$19,626/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$10,760
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,095
−HK$340/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,870/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$11,970
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$326/mo
Today · 4.125%
HK$12,617
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,234/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).