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$5,932
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,117
−HK$187/mo
Today · 4.125%
HK$6,304
baseline
▲ 0.50% · 4.625%
HK$6,688
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,608/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$6,600
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,777
−HK$179/mo
Today · 4.125%
HK$6,956
baseline
▲ 0.50% · 4.625%
HK$7,323
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,912/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$7,119
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,340
−HK$225/mo
Today · 4.125%
HK$7,565
baseline
▲ 0.50% · 4.625%
HK$8,026
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,130/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$7,920
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$216/mo
Today · 4.125%
HK$8,348
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,696/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$8,305
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$262/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,652/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$9,240
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,488
−HK$251/mo
Today · 4.125%
HK$9,739
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,478/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$10,678
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$337/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,696/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$11,880
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$323/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,042/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).