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$5,946
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,131
−HK$188/mo
Today · 4.125%
HK$6,319
baseline
▲ 0.50% · 4.625%
HK$6,703
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,638/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$6,615
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,792
−HK$180/mo
Today · 4.125%
HK$6,972
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$368/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,944/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$7,135
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,357
−HK$225/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$462/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,164/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$7,938
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$215/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$442/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,732/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$8,324
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$263/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,384
+HK$538/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$17,692/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,261
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$252/mo
Today · 4.125%
HK$9,761
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$514/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$19,522/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,703
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$339/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$692/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,748/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$11,906
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$324/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$661/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,100/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).