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$6,704
+HK$385/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$358/mo
▼ 0.25% · 3.875%
HK$6,793
−HK$180/mo
Today · 4.125%
HK$6,973
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,946/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$7,136
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$225/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$8,045
+HK$462/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,166/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$429/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$216/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,734/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$8,325
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$263/mo
Today · 4.125%
HK$8,847
baseline
▲ 0.50% · 4.625%
HK$9,385
+HK$538/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$17,694/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$501/mo
▼ 0.25% · 3.875%
HK$9,510
−HK$252/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,276
+HK$514/mo
Deposit HK$782K · loan HK$1.83M · min. income ≈ HK$19,524/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$10,704
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,037
−HK$338/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$692/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,750/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$11,908
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$324/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,102/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).