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$5,988
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,175
−HK$189/mo
Today · 4.125%
HK$6,364
baseline
▲ 0.50% · 4.625%
HK$6,751
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,728/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$6,662
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,841
−HK$181/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,044/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$7,186
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$228/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$464/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,274/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$7,994
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$217/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,852/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$8,384
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$265/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,451
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,818/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$9,327
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$254/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,662/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$10,779
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$341/mo
Today · 4.125%
HK$11,455
baseline
▲ 0.50% · 4.625%
HK$12,152
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,910/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$11,991
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$326/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$667/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,278/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).