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$5,901
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$187/mo
Today · 4.125%
HK$6,271
baseline
▲ 0.50% · 4.625%
HK$6,652
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,542/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$6,565
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$178/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,284
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,838/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$7,081
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$224/mo
Today · 4.125%
HK$7,525
baseline
▲ 0.50% · 4.625%
HK$7,983
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,050/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$7,878
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$214/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,741
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,606/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$8,261
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$261/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,558/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$9,191
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$250/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,374/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$10,622
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$336/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,576/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$11,816
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$322/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,910/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).