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$5,922
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$187/mo
Today · 4.125%
HK$6,294
baseline
▲ 0.50% · 4.625%
HK$6,677
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,588/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$6,589
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,765
−HK$180/mo
Today · 4.125%
HK$6,945
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,890/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$7,107
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$224/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,104/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$7,906
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,118
−HK$215/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,666/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$8,291
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,549
−HK$262/mo
Today · 4.125%
HK$8,811
baseline
▲ 0.50% · 4.625%
HK$9,347
+HK$536/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,622/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$9,224
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,471
−HK$251/mo
Today · 4.125%
HK$9,722
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$513/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,444/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$10,660
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$337/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$689/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,658/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$11,859
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$323/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,000/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).