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$5,897
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$187/mo
Today · 4.125%
HK$6,267
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,534/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$6,560
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$179/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,279
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,830/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$7,076
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,296
−HK$224/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,040/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$7,872
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$214/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,735
+HK$438/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,594/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$8,256
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,512
−HK$261/mo
Today · 4.125%
HK$8,773
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,546/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$9,184
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$249/mo
Today · 4.125%
HK$9,680
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,360/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$10,614
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,944
−HK$336/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,560/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$11,808
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$321/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,892/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).