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$5,914
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$187/mo
Today · 4.125%
HK$6,285
baseline
▲ 0.50% · 4.625%
HK$6,667
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,570/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$6,579
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,756
−HK$179/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,300
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,870/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$7,097
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$224/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,084/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$7,895
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$215/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,644/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$8,280
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$262/mo
Today · 4.125%
HK$8,799
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$535/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,598/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$9,211
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$251/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,418/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$10,645
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$336/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$12,001
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,626/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$11,843
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$322/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,966/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).