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$5,908
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$186/mo
Today · 4.125%
HK$6,278
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,556/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$6,573
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$179/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,856/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$7,090
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$224/mo
Today · 4.125%
HK$7,534
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$459/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,068/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$7,887
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$214/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,626/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$8,271
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$262/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$535/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,580/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$9,202
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$251/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,398/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$10,634
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$336/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,602/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$11,831
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$322/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,940/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).