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$5,981
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,167
−HK$189/mo
Today · 4.125%
HK$6,356
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,712/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$6,653
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$181/mo
Today · 4.125%
HK$7,013
baseline
▲ 0.50% · 4.625%
HK$7,383
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,026/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$7,177
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,400
−HK$227/mo
Today · 4.125%
HK$7,627
baseline
▲ 0.50% · 4.625%
HK$8,091
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,254/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$7,984
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,198
−HK$218/mo
Today · 4.125%
HK$8,416
baseline
▲ 0.50% · 4.625%
HK$8,859
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,832/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$8,373
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$265/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$541/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,796/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,315
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$253/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$518/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,636/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,765
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$340/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,880/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,297
−HK$326/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$666/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,246/mo (50% DSR)
Upfront cash ≈ HK$262K (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).