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$5,962
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,147
−HK$189/mo
Today · 4.125%
HK$6,336
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,672/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$6,633
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,810
−HK$181/mo
Today · 4.125%
HK$6,991
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,982/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$7,154
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$226/mo
Today · 4.125%
HK$7,603
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$462/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,206/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$7,959
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$217/mo
Today · 4.125%
HK$8,389
baseline
▲ 0.50% · 4.625%
HK$8,831
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,778/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$8,347
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$264/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,410
+HK$540/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,740/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$9,286
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,535
−HK$252/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,303
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,574/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$10,731
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$339/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,098
+HK$694/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,808/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$11,939
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$325/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,168/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).