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$5,910
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,094
−HK$187/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,663
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,562/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$6,575
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,751
−HK$179/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,295
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,860/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$7,092
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$224/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$458/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,074/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$7,890
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$215/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$438/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,632/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$8,274
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$262/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$535/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$17,586/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$9,205
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$251/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$511/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$19,404/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$10,638
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$336/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,610/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$11,835
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$322/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,948/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).