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$5,937
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,122
−HK$188/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$6,605
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,782
−HK$180/mo
Today · 4.125%
HK$6,962
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,924/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$7,125
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$226/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$8,032
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,144/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$7,926
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$215/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,708/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$8,312
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$262/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$538/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,666/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$9,247
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$252/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,494/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$10,687
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$337/mo
Today · 4.125%
HK$11,357
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,714/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$11,889
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$324/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,064/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).