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$5,965
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,150
−HK$189/mo
Today · 4.125%
HK$6,339
baseline
▲ 0.50% · 4.625%
HK$6,724
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,678/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$6,636
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$180/mo
Today · 4.125%
HK$6,994
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,988/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$7,158
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$226/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,212/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$7,963
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$217/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,786/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$8,351
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$264/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$540/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,748/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,290
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$253/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$516/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,584/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,736
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$340/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$694/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$22,820/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$11,944
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$325/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$664/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$25,178/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).