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$5,952
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$188/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,652/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$6,622
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$180/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,348
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,960/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$7,143
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,365
−HK$226/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,182/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$7,946
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$217/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$441/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,752/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$8,333
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$263/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,712/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$9,271
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,519
−HK$253/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$515/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,544/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$10,714
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$338/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,772/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$11,920
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$325/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,226
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,128/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).