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$5,899
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,082
−HK$187/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,650
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,538/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$6,562
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$179/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,834/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$7,079
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,299
−HK$224/mo
Today · 4.125%
HK$7,523
baseline
▲ 0.50% · 4.625%
HK$7,980
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,046/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$7,875
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,086
−HK$214/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,738
+HK$438/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,600/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$8,258
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$261/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,552/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$9,187
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$250/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$510/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,368/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$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$336/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,568/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$11,812
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$322/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,902/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).