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$5,974
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,160
−HK$189/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,735
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,698/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$6,646
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$181/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,010/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$7,169
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,392
−HK$226/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,082
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,189
−HK$217/mo
Today · 4.125%
HK$8,406
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,812/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$8,364
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$264/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,776/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,304
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,554
−HK$253/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,614/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,753
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$340/mo
Today · 4.125%
HK$11,428
baseline
▲ 0.50% · 4.625%
HK$12,123
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,856/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$11,963
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,284
−HK$325/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,218/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).