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$5,921
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,105
−HK$187/mo
Today · 4.125%
HK$6,292
baseline
▲ 0.50% · 4.625%
HK$6,675
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,584/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$6,587
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,764
−HK$179/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,309
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,886/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$7,105
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$225/mo
Today · 4.125%
HK$7,551
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$459/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,102/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$7,905
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$215/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,664/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$8,290
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$261/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$537/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,618/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,222
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$250/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$513/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,440/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,658
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$336/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$690/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,652/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$11,857
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$323/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$658/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$24,996/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).