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$5,929
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,114
−HK$187/mo
Today · 4.125%
HK$6,301
baseline
▲ 0.50% · 4.625%
HK$6,685
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,602/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$6,596
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,773
−HK$180/mo
Today · 4.125%
HK$6,953
baseline
▲ 0.50% · 4.625%
HK$7,319
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,906/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$7,115
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$224/mo
Today · 4.125%
HK$7,561
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,122/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$7,916
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$215/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,686/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$8,301
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$263/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,644/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$9,235
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$251/mo
Today · 4.125%
HK$9,734
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,468/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$10,673
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$337/mo
Today · 4.125%
HK$11,342
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,684/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$11,874
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$323/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,030/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).