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$5,935
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,119
−HK$188/mo
Today · 4.125%
HK$6,307
baseline
▲ 0.50% · 4.625%
HK$6,690
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,614/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$6,602
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,779
−HK$180/mo
Today · 4.125%
HK$6,959
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,918/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$7,121
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,029
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,136/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$7,923
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$216/mo
Today · 4.125%
HK$8,351
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,702/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$8,308
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$262/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$538/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$17,658/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$9,243
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$251/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$514/mo
Deposit HK$781K · loan HK$1.82M · min. income ≈ HK$19,484/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$10,682
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,015
−HK$337/mo
Today · 4.125%
HK$11,352
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,704/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$11,884
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,203
−HK$323/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,186
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,052/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).