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$5,989
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,175
−HK$190/mo
Today · 4.125%
HK$6,365
baseline
▲ 0.50% · 4.625%
HK$6,752
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,730/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$6,663
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,842
−HK$181/mo
Today · 4.125%
HK$7,023
baseline
▲ 0.50% · 4.625%
HK$7,393
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,046/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$7,187
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,411
−HK$227/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$464/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,276/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$7,995
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$217/mo
Today · 4.125%
HK$8,427
baseline
▲ 0.50% · 4.625%
HK$8,872
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,854/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$8,385
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$265/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,822/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$9,328
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$254/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,664/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$10,780
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,116
−HK$340/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$698/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,912/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$11,993
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$326/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,282/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).