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$5,894
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,077
−HK$187/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,645
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,528/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$6,557
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$178/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,822/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$7,073
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$223/mo
Today · 4.125%
HK$7,516
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$458/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,032/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,869
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$214/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,588/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,252
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$261/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,303
+HK$534/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,538/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$9,180
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,426
−HK$250/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,352/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$10,609
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$336/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,961
+HK$686/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$22,550/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$11,803
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$321/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$656/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$24,880/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).