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$5,930
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$188/mo
Today · 4.125%
HK$6,302
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,604/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$6,597
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,774
−HK$179/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,906/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$7,116
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$225/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,124/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$7,916
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$215/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,688/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$8,302
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$263/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$536/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,646/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,236
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$251/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,248
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,470/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,674
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$337/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,686/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$11,875
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$323/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,032/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).