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$5,994
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$190/mo
Today · 4.125%
HK$6,370
baseline
▲ 0.50% · 4.625%
HK$6,757
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,740/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$6,668
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,847
−HK$181/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,399
+HK$371/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,056/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$7,193
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$228/mo
Today · 4.125%
HK$7,644
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,288/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$8,002
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$218/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,868/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$8,391
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$265/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$542/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,836/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$9,335
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,586
−HK$254/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$518/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,680/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$10,789
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$341/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,163
+HK$697/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,932/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$12,003
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$326/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,318
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,302/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).