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$5,932
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$188/mo
Today · 4.125%
HK$6,304
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,608/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$6,599
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,776
−HK$179/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,322
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,910/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$7,118
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$225/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,128/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$7,919
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$215/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,692/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$8,304
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$262/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,650/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$9,238
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$252/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,476/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$10,677
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$337/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,692/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$11,878
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$324/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$660/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,040/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).