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$5,916
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,100
−HK$187/mo
Today · 4.125%
HK$6,287
baseline
▲ 0.50% · 4.625%
HK$6,670
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,574/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$6,582
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,758
−HK$179/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,303
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,874/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$7,100
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,320
−HK$225/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$8,004
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,090/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$7,898
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$215/mo
Today · 4.125%
HK$8,325
baseline
▲ 0.50% · 4.625%
HK$8,764
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,650/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$8,283
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$262/mo
Today · 4.125%
HK$8,802
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$536/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$17,604/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$9,215
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$250/mo
Today · 4.125%
HK$9,712
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$512/mo
Deposit HK$778K · loan HK$1.82M · min. income ≈ HK$19,424/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$10,649
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$336/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$12,006
+HK$689/mo
Deposit HK$259K · loan HK$2.34M · min. income ≈ HK$22,634/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,847
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$322/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,146
+HK$659/mo
Deposit HK$259K · loan HK$2.34M · min. income ≈ HK$24,974/mo (50% DSR)
Upfront cash ≈ HK$260K (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).