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$5,900
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,084
−HK$186/mo
Today · 4.125%
HK$6,270
baseline
▲ 0.50% · 4.625%
HK$6,652
+HK$382/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,540/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$6,564
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,740
−HK$179/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,283
+HK$364/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$7,080
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$223/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,982
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,048/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$7,877
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$215/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$437/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$8,517
−HK$262/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$9,190
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,436
−HK$250/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,197
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,372/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$10,621
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$336/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,574/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$11,815
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$322/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,908/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).