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$5,906
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$186/mo
Today · 4.125%
HK$6,276
baseline
▲ 0.50% · 4.625%
HK$6,658
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,552/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$6,570
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$179/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,290
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,850/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$7,087
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$224/mo
Today · 4.125%
HK$7,532
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,064/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$7,884
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$214/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,748
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,620/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$8,268
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$262/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$534/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,574/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$9,198
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$250/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,390/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$10,631
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,961
−HK$336/mo
Today · 4.125%
HK$11,297
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,594/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$11,826
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$321/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,930/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).