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$5,935
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,120
−HK$188/mo
Today · 4.125%
HK$6,308
baseline
▲ 0.50% · 4.625%
HK$6,691
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,616/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$6,603
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$180/mo
Today · 4.125%
HK$6,960
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,920/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$7,123
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,344
−HK$225/mo
Today · 4.125%
HK$7,569
baseline
▲ 0.50% · 4.625%
HK$8,030
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,138/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$7,924
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,136
−HK$216/mo
Today · 4.125%
HK$8,352
baseline
▲ 0.50% · 4.625%
HK$8,792
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,704/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$8,310
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$263/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,368
+HK$537/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,662/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$9,244
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,492
−HK$252/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$513/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,488/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$10,684
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$338/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,708/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$11,886
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$324/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,056/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).