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$5,938
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,123
−HK$187/mo
Today · 4.125%
HK$6,310
baseline
▲ 0.50% · 4.625%
HK$6,694
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,620/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$6,606
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,783
−HK$180/mo
Today · 4.125%
HK$6,963
baseline
▲ 0.50% · 4.625%
HK$7,330
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,926/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$7,126
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,347
−HK$226/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,146/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$7,927
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$216/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,796
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,712/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$8,313
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$263/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$537/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,670/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$9,248
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$251/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,496/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$10,689
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$338/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,718/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$11,891
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$323/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$661/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,066/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).