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$6,086
−HK$187/mo
Today · 4.125%
HK$6,273
baseline
▲ 0.50% · 4.625%
HK$6,654
+HK$381/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$354/mo
▼ 0.25% · 3.875%
HK$6,743
−HK$178/mo
Today · 4.125%
HK$6,921
baseline
▲ 0.50% · 4.625%
HK$7,286
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,842/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$7,083
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$224/mo
Today · 4.125%
HK$7,527
baseline
▲ 0.50% · 4.625%
HK$7,985
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,054/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$7,880
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$215/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,743
+HK$437/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$518/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$261/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$534/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,564/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$9,193
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,440
−HK$250/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,380/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$10,625
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,955
−HK$336/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,978
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,582/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$11,820
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$321/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,115
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,916/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).