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$5,956
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$189/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,660/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$6,626
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$180/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,352
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,968/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$7,147
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$225/mo
Today · 4.125%
HK$7,595
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$463/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$7,951
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,164
−HK$217/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,762/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$8,338
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$263/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,401
+HK$540/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,722/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$9,276
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$253/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$515/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,556/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$10,721
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$339/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,786/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$11,927
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$324/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,142/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).