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$5,945
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,130
−HK$187/mo
Today · 4.125%
HK$6,317
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$385/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,634/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$6,613
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$180/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$367/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,942/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$7,134
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$226/mo
Today · 4.125%
HK$7,581
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$461/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,162/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$7,936
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$216/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$441/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,730/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$8,322
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$263/mo
Today · 4.125%
HK$8,844
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$538/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$17,688/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,259
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,507
−HK$252/mo
Today · 4.125%
HK$9,759
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$514/mo
Deposit HK$782K · loan HK$1.82M · min. income ≈ HK$19,518/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,700
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$338/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$692/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,742/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$11,904
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$324/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$661/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,094/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).