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$5,954
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,139
−HK$188/mo
Today · 4.125%
HK$6,327
baseline
▲ 0.50% · 4.625%
HK$6,712
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,654/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$6,624
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,802
−HK$180/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,964/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$7,145
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,367
−HK$226/mo
Today · 4.125%
HK$7,593
baseline
▲ 0.50% · 4.625%
HK$8,055
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,186/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,949
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$216/mo
Today · 4.125%
HK$8,378
baseline
▲ 0.50% · 4.625%
HK$8,820
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,756/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,336
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$263/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,716/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,273
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,522
−HK$252/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$516/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,548/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,717
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$338/mo
Today · 4.125%
HK$11,389
baseline
▲ 0.50% · 4.625%
HK$12,082
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,778/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$11,923
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$324/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,134/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).