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$5,951
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$188/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,709
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,650/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,621
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$181/mo
Today · 4.125%
HK$6,979
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,958/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,142
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$226/mo
Today · 4.125%
HK$7,590
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$461/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,180/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$7,945
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$216/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,748/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$8,332
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,591
−HK$263/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,708/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$9,269
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$252/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$515/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,540/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$10,713
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$338/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,768/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$11,918
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$324/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,122/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).