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$5,909
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,093
−HK$187/mo
Today · 4.125%
HK$6,280
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,560/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$6,574
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$179/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,858/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$7,091
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,072/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$7,889
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$215/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,630/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$8,273
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$262/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$535/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,584/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$9,204
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$251/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,402/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$10,637
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$337/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,608/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$11,833
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$322/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,944/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).