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$5,928
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,112
−HK$188/mo
Today · 4.125%
HK$6,300
baseline
▲ 0.50% · 4.625%
HK$6,683
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,600/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$6,595
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,772
−HK$179/mo
Today · 4.125%
HK$6,951
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,902/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$7,114
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,335
−HK$225/mo
Today · 4.125%
HK$7,560
baseline
▲ 0.50% · 4.625%
HK$8,020
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,120/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$7,914
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,126
−HK$215/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,682/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$8,299
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$263/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$536/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,640/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$9,233
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$252/mo
Today · 4.125%
HK$9,732
baseline
▲ 0.50% · 4.625%
HK$10,245
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,464/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$10,670
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$338/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,680/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$11,871
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$323/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,024/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).