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$5,905
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,088
−HK$187/mo
Today · 4.125%
HK$6,275
baseline
▲ 0.50% · 4.625%
HK$6,657
+HK$382/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,550/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,569
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$179/mo
Today · 4.125%
HK$6,924
baseline
▲ 0.50% · 4.625%
HK$7,289
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,848/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,086
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$224/mo
Today · 4.125%
HK$7,530
baseline
▲ 0.50% · 4.625%
HK$7,988
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,060/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$7,883
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$215/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,618/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$8,267
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$261/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$535/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,570/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,197
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$250/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,386/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,629
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,959
−HK$336/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,590/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,824
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$322/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,120
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$259K (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).