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$5,887
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$186/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,512/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$6,549
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$178/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,267
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,806/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$7,065
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$224/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,016/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$7,859
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$214/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,568/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$8,242
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$261/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,518/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,169
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$249/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,328/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,597
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$335/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$686/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,789
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$321/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$258K (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).