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$5,955
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$188/mo
Today · 4.125%
HK$6,329
baseline
▲ 0.50% · 4.625%
HK$6,714
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,658/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$6,625
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,803
−HK$180/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,966/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$7,146
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,369
−HK$226/mo
Today · 4.125%
HK$7,595
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,190/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$7,950
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$216/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,760/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$8,337
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$263/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$539/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,720/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,275
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$252/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,720
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$339/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,784/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$11,925
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$325/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,140/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).