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$5,923
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$188/mo
Today · 4.125%
HK$6,295
baseline
▲ 0.50% · 4.625%
HK$6,678
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,590/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$6,590
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,766
−HK$180/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,312
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,892/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$7,108
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$225/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,108/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$7,907
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$215/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,670/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$8,293
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$263/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$536/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,626/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,225
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$512/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,448/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,662
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$337/mo
Today · 4.125%
HK$11,330
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,660/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$11,861
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$323/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,004/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).