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$5,953
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,138
−HK$188/mo
Today · 4.125%
HK$6,326
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,652/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$6,622
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,800
−HK$180/mo
Today · 4.125%
HK$6,980
baseline
▲ 0.50% · 4.625%
HK$7,348
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,960/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$7,143
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,366
−HK$225/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,182/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,947
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$216/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,752/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,334
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$263/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,712/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,271
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$252/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$515/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,544/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,715
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$339/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,920
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$324/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,128/mo (50% DSR)
Upfront cash ≈ HK$261K (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).