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$5,992
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$190/mo
Today · 4.125%
HK$6,368
baseline
▲ 0.50% · 4.625%
HK$6,755
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,736/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$6,666
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,845
−HK$181/mo
Today · 4.125%
HK$7,026
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,052/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$7,190
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,414
−HK$227/mo
Today · 4.125%
HK$7,641
baseline
▲ 0.50% · 4.625%
HK$8,106
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,282/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$7,999
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$217/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,876
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,862/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$8,389
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$266/mo
Today · 4.125%
HK$8,915
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,830/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$9,332
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$254/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,355
+HK$519/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,672/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$10,785
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$341/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,924/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$11,999
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$327/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,294/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).