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$5,919
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$187/mo
Today · 4.125%
HK$6,290
baseline
▲ 0.50% · 4.625%
HK$6,672
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,580/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$6,584
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$179/mo
Today · 4.125%
HK$6,940
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,880/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$7,102
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$225/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,096/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$7,901
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$215/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,656/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$8,286
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$262/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$535/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,612/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$9,218
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$251/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$512/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,432/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$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,985
−HK$337/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$688/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,644/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$11,852
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$322/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$24,984/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).