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$371/mo
▼ 0.25% · 3.875%
HK$6,094
−HK$187/mo
Today · 4.125%
HK$6,281
baseline
▲ 0.50% · 4.625%
HK$6,663
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,562/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$7,296
+HK$366/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$445/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$224/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,074/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$7,890
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$214/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$439/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$519/mo
▼ 0.25% · 3.875%
HK$8,532
−HK$261/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$535/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$17,586/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$9,205
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$251/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$511/mo
Deposit HK$778K · loan HK$1.81M · min. income ≈ HK$19,406/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$10,639
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$337/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,612/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$11,835
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$322/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,950/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).