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$5,940
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,125
−HK$187/mo
Today · 4.125%
HK$6,312
baseline
▲ 0.50% · 4.625%
HK$6,697
+HK$385/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,624/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$6,608
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,785
−HK$180/mo
Today · 4.125%
HK$6,965
baseline
▲ 0.50% · 4.625%
HK$7,332
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,930/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$7,128
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,350
−HK$225/mo
Today · 4.125%
HK$7,575
baseline
▲ 0.50% · 4.625%
HK$8,036
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,150/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$7,930
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$216/mo
Today · 4.125%
HK$8,358
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,716/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$8,316
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,575
−HK$262/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$538/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,674/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,251
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$251/mo
Today · 4.125%
HK$9,751
baseline
▲ 0.50% · 4.625%
HK$10,265
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,502/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,692
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$337/mo
Today · 4.125%
HK$11,362
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$692/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,724/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$11,895
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$323/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$661/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,074/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).