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$5,914
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$186/mo
Today · 4.125%
HK$6,284
baseline
▲ 0.50% · 4.625%
HK$6,667
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,568/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$6,579
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,755
−HK$179/mo
Today · 4.125%
HK$6,934
baseline
▲ 0.50% · 4.625%
HK$7,300
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,868/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$7,096
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$224/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,082/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$7,895
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$215/mo
Today · 4.125%
HK$8,321
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,642/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$8,279
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$261/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$536/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,596/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$9,210
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$251/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,220
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,416/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$10,644
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$336/mo
Today · 4.125%
HK$11,312
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,624/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$11,842
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$323/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,964/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).