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$5,945
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,130
−HK$188/mo
Today · 4.125%
HK$6,318
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,636/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$6,614
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$180/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,339
+HK$368/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,942/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$7,134
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$226/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$461/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$7,937
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$216/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$441/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$8,323
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,582
−HK$263/mo
Today · 4.125%
HK$8,845
baseline
▲ 0.50% · 4.625%
HK$9,383
+HK$538/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$17,690/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$9,260
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$252/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,274
+HK$514/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$19,520/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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$338/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$692/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,744/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$11,905
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$323/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,096/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).