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$6,083
−HK$187/mo
Today · 4.125%
HK$6,270
baseline
▲ 0.50% · 4.625%
HK$6,651
+HK$381/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$6,563
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,739
−HK$179/mo
Today · 4.125%
HK$6,918
baseline
▲ 0.50% · 4.625%
HK$7,283
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,836/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$7,300
−HK$224/mo
Today · 4.125%
HK$7,524
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$457/mo
Deposit HK$1.03M · 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$7,876
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$215/mo
Today · 4.125%
HK$8,302
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,604/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$8,260
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$262/mo
Today · 4.125%
HK$8,778
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,556/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$9,189
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$250/mo
Today · 4.125%
HK$9,685
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,370/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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$335/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,570/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$11,814
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$321/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,904/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).