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$5,993
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,180
−HK$189/mo
Today · 4.125%
HK$6,369
baseline
▲ 0.50% · 4.625%
HK$6,757
+HK$388/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,738/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$6,668
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,846
−HK$182/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,056/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$7,192
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$227/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,108
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,286/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$8,001
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$217/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,866/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$8,391
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,652
−HK$265/mo
Today · 4.125%
HK$8,917
baseline
▲ 0.50% · 4.625%
HK$9,459
+HK$542/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,834/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$9,335
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,585
−HK$254/mo
Today · 4.125%
HK$9,839
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,678/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$10,788
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,124
−HK$341/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,162
+HK$697/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,930/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$12,002
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$326/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,300/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).