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$5,959
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$189/mo
Today · 4.125%
HK$6,333
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,666/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$6,629
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$180/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,356
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,974/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$7,151
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$226/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,198/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$7,955
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,169
−HK$216/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,827
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,770/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$8,343
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$264/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$539/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,732/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$9,281
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$252/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,564/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$10,726
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$339/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,798/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,933
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$324/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,154/mo (50% DSR)
Upfront cash ≈ HK$261K (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).