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$5,907
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$187/mo
Today · 4.125%
HK$6,277
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,554/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$6,571
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,747
−HK$179/mo
Today · 4.125%
HK$6,926
baseline
▲ 0.50% · 4.625%
HK$7,291
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,852/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$7,088
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$224/mo
Today · 4.125%
HK$7,533
baseline
▲ 0.50% · 4.625%
HK$7,991
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,066/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$7,885
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,097
−HK$214/mo
Today · 4.125%
HK$8,311
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$439/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,622/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$8,269
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$261/mo
Today · 4.125%
HK$8,788
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$535/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,576/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,200
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$251/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,394/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,632
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$336/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,598/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$11,828
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$322/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,934/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).