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$5,886
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$186/mo
Today · 4.125%
HK$6,255
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,510/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$6,548
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$178/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,804/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$7,064
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$223/mo
Today · 4.125%
HK$7,506
baseline
▲ 0.50% · 4.625%
HK$7,963
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,012/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$7,858
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,566/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$8,241
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,497
−HK$261/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,290
+HK$532/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,516/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$9,168
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$249/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,326/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$10,595
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$335/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,520/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,787
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$321/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$258K (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).