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$5,950
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,136
−HK$188/mo
Today · 4.125%
HK$6,324
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,648/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$6,620
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$180/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$368/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,954/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$7,140
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$225/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,176/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$7,944
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$216/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$441/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,746/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$8,331
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$263/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,706/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,268
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,516
−HK$252/mo
Today · 4.125%
HK$9,768
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$515/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,536/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,711
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$338/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,916
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$324/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,118/mo (50% DSR)
Upfront cash ≈ HK$261K (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).