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$5,939
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,124
−HK$187/mo
Today · 4.125%
HK$6,311
baseline
▲ 0.50% · 4.625%
HK$6,695
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,622/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$6,607
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,784
−HK$180/mo
Today · 4.125%
HK$6,964
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,928/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$7,127
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$226/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,148/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$7,928
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$216/mo
Today · 4.125%
HK$8,357
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,714/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$8,314
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$263/mo
Today · 4.125%
HK$8,836
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$538/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,672/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,250
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$252/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,263
+HK$513/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,500/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,690
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$337/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$692/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,720/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$11,893
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$323/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$661/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,070/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).