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$5,897
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,081
−HK$186/mo
Today · 4.125%
HK$6,267
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,534/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$6,561
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$179/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,830/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$7,077
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$223/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$458/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,040/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$7,873
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,084
−HK$214/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,596/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$8,256
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$261/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,548/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,185
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$250/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$510/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,362/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,615
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$336/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,562/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$11,809
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$321/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,894/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).