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$5,963
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,148
−HK$189/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,722
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,674/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$6,634
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$180/mo
Today · 4.125%
HK$6,992
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,984/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$7,156
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$226/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,208/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$7,960
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,174
−HK$217/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,782/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$8,348
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$264/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$539/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,744/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,287
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$253/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$516/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,578/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,733
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$339/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,100
+HK$694/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$22,812/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$11,941
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$325/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$663/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$25,172/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).