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$5,981
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$190/mo
Today · 4.125%
HK$6,357
baseline
▲ 0.50% · 4.625%
HK$6,743
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,714/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$6,654
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$181/mo
Today · 4.125%
HK$7,014
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,028/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$7,178
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,401
−HK$227/mo
Today · 4.125%
HK$7,628
baseline
▲ 0.50% · 4.625%
HK$8,092
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,256/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$7,985
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$218/mo
Today · 4.125%
HK$8,417
baseline
▲ 0.50% · 4.625%
HK$8,860
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,834/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$8,374
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$265/mo
Today · 4.125%
HK$8,899
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$542/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,798/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,316
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$253/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$518/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,638/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,767
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,101
−HK$341/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,138
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,884/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$11,978
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$326/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,250/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).