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$5,898
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,081
−HK$187/mo
Today · 4.125%
HK$6,268
baseline
▲ 0.50% · 4.625%
HK$6,649
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,536/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$355/mo
▼ 0.25% · 3.875%
HK$6,737
−HK$179/mo
Today · 4.125%
HK$6,916
baseline
▲ 0.50% · 4.625%
HK$7,280
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,832/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$444/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$223/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,979
+HK$458/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,042/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$7,874
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$214/mo
Today · 4.125%
HK$8,299
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,598/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$8,257
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$261/mo
Today · 4.125%
HK$8,775
baseline
▲ 0.50% · 4.625%
HK$9,309
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,550/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$9,186
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,432
−HK$250/mo
Today · 4.125%
HK$9,682
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,364/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$10,616
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$336/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,564/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$11,810
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$322/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,898/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).