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$5,926
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,110
−HK$187/mo
Today · 4.125%
HK$6,297
baseline
▲ 0.50% · 4.625%
HK$6,680
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,594/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$6,592
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$179/mo
Today · 4.125%
HK$6,948
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,896/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$7,111
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$225/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,114/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$7,911
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$215/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,676/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$8,296
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$262/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,353
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,632/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,229
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$251/mo
Today · 4.125%
HK$9,728
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,456/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,666
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,670/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$11,866
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$323/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,014/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).