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$370/mo
▼ 0.25% · 3.875%
HK$6,094
−HK$186/mo
Today · 4.125%
HK$6,280
baseline
▲ 0.50% · 4.625%
HK$6,662
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,560/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$444/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,072/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$7,889
−HK$427/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$518/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$261/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$535/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$17,584/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$9,204
−HK$498/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$10,968
−HK$337/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$687/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$11,834
−HK$640/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).