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$5,903
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$186/mo
Today · 4.125%
HK$6,273
baseline
▲ 0.50% · 4.625%
HK$6,655
+HK$382/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,546/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$6,567
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,743
−HK$179/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,287
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,844/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$7,084
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$224/mo
Today · 4.125%
HK$7,528
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,056/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,881
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,092
−HK$214/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,744
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,612/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,264
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$261/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$534/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,566/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,194
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$250/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,382/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,626
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,956
−HK$336/mo
Today · 4.125%
HK$11,292
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,584/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$11,821
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$322/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,920/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).