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$5,909
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,093
−HK$186/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,558/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$356/mo
▼ 0.25% · 3.875%
HK$6,750
−HK$179/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,858/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$445/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$224/mo
Today · 4.125%
HK$7,535
baseline
▲ 0.50% · 4.625%
HK$7,994
+HK$459/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,070/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$7,888
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,100
−HK$214/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,753
+HK$439/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,628/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$8,272
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$261/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,326
+HK$535/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,582/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$9,203
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$250/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,400/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$10,636
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$336/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,990
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,606/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$11,832
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$322/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$658/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,942/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).