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$376/mo
▼ 0.25% · 3.875%
HK$6,178
−HK$189/mo
Today · 4.125%
HK$6,367
baseline
▲ 0.50% · 4.625%
HK$6,754
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,734/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$6,665
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,844
−HK$181/mo
Today · 4.125%
HK$7,025
baseline
▲ 0.50% · 4.625%
HK$7,396
+HK$371/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,050/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$7,190
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$227/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,280/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$7,998
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$218/mo
Today · 4.125%
HK$8,431
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,862/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$8,388
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$265/mo
Today · 4.125%
HK$8,914
baseline
▲ 0.50% · 4.625%
HK$9,456
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,828/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$9,331
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$254/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,672/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$10,784
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$341/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,922/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$11,998
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$327/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,292/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).