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$5,996
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,183
−HK$189/mo
Today · 4.125%
HK$6,372
baseline
▲ 0.50% · 4.625%
HK$6,760
+HK$388/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,744/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$6,671
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$182/mo
Today · 4.125%
HK$7,031
baseline
▲ 0.50% · 4.625%
HK$7,402
+HK$371/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,062/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$7,195
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$228/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,294/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$8,005
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$218/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,874/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$8,395
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$265/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,842/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,339
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$254/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,686/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,793
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$341/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,168
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,940/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$12,007
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$327/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,312/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).