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$5,973
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,159
−HK$189/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,696/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$6,645
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,823
−HK$181/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,008/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$7,168
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$226/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,234/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$7,974
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$217/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,810/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$8,362
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$265/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$540/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,774/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$9,303
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$254/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$516/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,612/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$10,752
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$340/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,852/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$11,961
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$325/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,214/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).