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$5,894
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,077
−HK$186/mo
Today · 4.125%
HK$6,263
baseline
▲ 0.50% · 4.625%
HK$6,644
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,526/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$6,556
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,732
−HK$179/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,275
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,822/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$7,072
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$224/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,032/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,868
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$214/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,586/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,251
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$260/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$534/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,536/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,179
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$250/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,350/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,608
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$336/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$686/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$22,548/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$11,802
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$321/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,095
+HK$656/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$24,878/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).