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$5,941
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$188/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,698
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,628/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$6,609
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,787
−HK$180/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,334
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,934/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$7,129
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,351
−HK$225/mo
Today · 4.125%
HK$7,576
baseline
▲ 0.50% · 4.625%
HK$8,037
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,152/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$7,931
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,144
−HK$216/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,800
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,720/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$8,318
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,576
−HK$263/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,377
+HK$538/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$17,678/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$9,253
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$252/mo
Today · 4.125%
HK$9,753
baseline
▲ 0.50% · 4.625%
HK$10,267
+HK$514/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$19,506/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$10,694
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$338/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$12,056
+HK$691/mo
Deposit HK$261K · loan HK$2.34M · min. income ≈ HK$22,730/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$11,897
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$324/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$661/mo
Deposit HK$261K · loan HK$2.34M · min. income ≈ HK$25,080/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).