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$5,942
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,127
−HK$187/mo
Today · 4.125%
HK$6,314
baseline
▲ 0.50% · 4.625%
HK$6,699
+HK$385/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,628/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$6,610
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,788
−HK$179/mo
Today · 4.125%
HK$6,967
baseline
▲ 0.50% · 4.625%
HK$7,335
+HK$368/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,934/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$7,130
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$225/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,154/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$7,932
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$216/mo
Today · 4.125%
HK$8,361
baseline
▲ 0.50% · 4.625%
HK$8,802
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,722/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$8,319
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$263/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$538/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$17,680/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$9,254
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$251/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,268
+HK$514/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$19,508/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$10,695
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$338/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$692/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,732/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$11,898
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$323/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$661/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,082/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).