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$5,986
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,172
−HK$189/mo
Today · 4.125%
HK$6,361
baseline
▲ 0.50% · 4.625%
HK$6,749
+HK$388/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,722/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$6,659
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,838
−HK$181/mo
Today · 4.125%
HK$7,019
baseline
▲ 0.50% · 4.625%
HK$7,389
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,038/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$7,183
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,407
−HK$227/mo
Today · 4.125%
HK$7,634
baseline
▲ 0.50% · 4.625%
HK$8,098
+HK$464/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,268/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$7,991
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$217/mo
Today · 4.125%
HK$8,423
baseline
▲ 0.50% · 4.625%
HK$8,867
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,846/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$8,381
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$265/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,448
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,812/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,323
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$254/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,654/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,775
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$341/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$696/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,902/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$326/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$263K (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).