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$5,933
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,118
−HK$187/mo
Today · 4.125%
HK$6,305
baseline
▲ 0.50% · 4.625%
HK$6,689
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,610/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$6,601
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,778
−HK$179/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,914/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$7,120
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$225/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,132/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$7,921
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$216/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,698/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$8,306
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$262/mo
Today · 4.125%
HK$8,827
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$537/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,654/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,241
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$251/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$513/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,480/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,680
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$337/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,698/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$11,881
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$323/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,046/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).