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$5,913
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,097
−HK$187/mo
Today · 4.125%
HK$6,284
baseline
▲ 0.50% · 4.625%
HK$6,666
+HK$382/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$6,578
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,755
−HK$179/mo
Today · 4.125%
HK$6,934
baseline
▲ 0.50% · 4.625%
HK$7,299
+HK$365/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$7,316
−HK$225/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$7,999
+HK$458/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$7,894
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$214/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,640/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$8,278
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$261/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$536/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,594/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$9,209
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$251/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,414/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$10,643
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$336/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,622/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$11,841
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$322/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,960/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).