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$5,948
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,133
−HK$188/mo
Today · 4.125%
HK$6,321
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$385/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,642/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$6,617
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,795
−HK$180/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,950/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$7,138
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,360
−HK$225/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$8,047
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,170/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$7,941
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,154
−HK$216/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,811
+HK$441/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,740/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$8,327
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$263/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$538/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,700/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,264
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$252/mo
Today · 4.125%
HK$9,765
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$514/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,530/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,707
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$338/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,756/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,911
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$324/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$661/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,110/mo (50% DSR)
Upfront cash ≈ HK$261K (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).