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$5,963
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,149
−HK$188/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,723
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,674/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$6,634
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$181/mo
Today · 4.125%
HK$6,993
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,986/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$7,156
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$226/mo
Today · 4.125%
HK$7,605
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,210/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$7,961
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$216/mo
Today · 4.125%
HK$8,391
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,782/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$8,349
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$263/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$540/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,744/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$9,288
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,537
−HK$253/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$516/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,580/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$10,734
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$339/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$695/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$22,814/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$11,942
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$325/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$663/mo
Deposit HK$262K · loan HK$2.35M · min. income ≈ HK$25,174/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).