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$5,915
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,099
−HK$187/mo
Today · 4.125%
HK$6,286
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,572/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,580
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,757
−HK$179/mo
Today · 4.125%
HK$6,936
baseline
▲ 0.50% · 4.625%
HK$7,301
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,872/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,098
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$224/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$8,002
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,086/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$7,896
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,108
−HK$215/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,646/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$8,281
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$262/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$536/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,600/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,212
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$251/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,420/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,647
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$336/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$689/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,628/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,844
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,162
−HK$322/mo
Today · 4.125%
HK$12,484
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,968/mo (50% DSR)
Upfront cash ≈ HK$259K (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).