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$5,934
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$187/mo
Today · 4.125%
HK$6,306
baseline
▲ 0.50% · 4.625%
HK$6,690
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,612/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$6,602
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$179/mo
Today · 4.125%
HK$6,958
baseline
▲ 0.50% · 4.625%
HK$7,325
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,916/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$7,121
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,342
−HK$225/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,134/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$7,922
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,134
−HK$216/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,700/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$8,308
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$263/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$537/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,658/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$9,242
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$251/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,482/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$10,681
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$338/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,702/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$11,883
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$324/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,050/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).