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$5,920
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,105
−HK$187/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,675
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,584/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$6,586
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,763
−HK$179/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,308
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,884/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$7,105
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$224/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,100/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$7,904
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$215/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,662/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$8,289
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$262/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$536/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,616/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,221
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$251/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$513/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,438/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,657
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,988
−HK$337/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$689/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,650/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$11,856
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$322/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$24,992/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).