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$5,893
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$187/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$354/mo
▼ 0.25% · 3.875%
HK$6,732
−HK$178/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,820/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$443/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$223/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,972
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,030/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$7,867
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,078
−HK$214/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,584/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$8,250
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$261/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$533/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$9,178
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$250/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,348/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$10,607
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$336/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$685/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$22,546/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$11,801
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$321/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$656/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$24,876/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).