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$371/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$187/mo
Today · 4.125%
HK$6,301
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,602/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$7,319
+HK$366/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$7,115
−HK$447/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$8,128
−HK$216/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$439/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$8,301
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$262/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,644/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$9,235
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$251/mo
Today · 4.125%
HK$9,734
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,468/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$10,673
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$338/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/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$11,874
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$323/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,030/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).