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$372/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$187/mo
Today · 4.125%
HK$6,298
baseline
▲ 0.50% · 4.625%
HK$6,681
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,596/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$6,593
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$179/mo
Today · 4.125%
HK$6,949
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,898/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$7,112
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,333
−HK$225/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,116/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$7,912
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,124
−HK$215/mo
Today · 4.125%
HK$8,339
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,678/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$8,297
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$262/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,634/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$9,230
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$251/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,458/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$10,667
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$337/mo
Today · 4.125%
HK$11,336
baseline
▲ 0.50% · 4.625%
HK$12,026
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,672/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$11,867
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$323/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,018/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).