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$6,151
−HK$188/mo
Today · 4.125%
HK$6,339
baseline
▲ 0.50% · 4.625%
HK$6,725
+HK$386/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$359/mo
▼ 0.25% · 3.875%
HK$6,814
−HK$181/mo
Today · 4.125%
HK$6,995
baseline
▲ 0.50% · 4.625%
HK$7,364
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,990/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$449/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$226/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,214/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$7,964
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,177
−HK$217/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,788/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$524/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$264/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,415
+HK$540/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,750/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$9,291
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$253/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$516/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,586/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$10,738
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$339/mo
Today · 4.125%
HK$11,411
baseline
▲ 0.50% · 4.625%
HK$12,105
+HK$694/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$22,822/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$11,945
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$325/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$663/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$25,182/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).