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$5,993
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,179
−HK$189/mo
Today · 4.125%
HK$6,368
baseline
▲ 0.50% · 4.625%
HK$6,756
+HK$388/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$6,667
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$181/mo
Today · 4.125%
HK$7,027
baseline
▲ 0.50% · 4.625%
HK$7,397
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,054/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$7,191
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$227/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,284/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$8,000
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$217/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,864/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$8,390
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,651
−HK$265/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,832/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,334
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$254/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,676/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,787
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,926/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$12,000
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$327/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$666/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,298/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).