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$5,991
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,177
−HK$189/mo
Today · 4.125%
HK$6,366
baseline
▲ 0.50% · 4.625%
HK$6,754
+HK$388/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,732/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$6,664
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$181/mo
Today · 4.125%
HK$7,024
baseline
▲ 0.50% · 4.625%
HK$7,395
+HK$371/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,048/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$7,189
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$227/mo
Today · 4.125%
HK$7,639
baseline
▲ 0.50% · 4.625%
HK$8,104
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,278/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$7,997
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,212
−HK$217/mo
Today · 4.125%
HK$8,429
baseline
▲ 0.50% · 4.625%
HK$8,874
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,858/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$8,387
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$265/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,826/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,330
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$254/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$519/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,668/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,783
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$341/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,918/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$11,996
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,318
−HK$326/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$667/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,288/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).