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$5,917
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,101
−HK$187/mo
Today · 4.125%
HK$6,288
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,576/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$6,582
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$179/mo
Today · 4.125%
HK$6,938
baseline
▲ 0.50% · 4.625%
HK$7,304
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,876/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$7,100
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$224/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,090/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$7,899
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$215/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,652/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$8,284
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$262/mo
Today · 4.125%
HK$8,803
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$536/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,606/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,215
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$250/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,225
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,426/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,650
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$336/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$689/mo
Deposit HK$259K · loan HK$2.34M · min. income ≈ HK$22,636/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,848
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$322/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$659/mo
Deposit HK$259K · loan HK$2.34M · min. income ≈ HK$24,976/mo (50% DSR)
Upfront cash ≈ HK$260K (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).