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$5,863
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$186/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,610
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,462/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$6,523
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$177/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,750/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$7,036
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$222/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,932
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,954/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$7,827
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$213/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,500/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$8,208
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,464
−HK$259/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,446/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,132
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,377
−HK$248/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,250/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$333/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$683/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,430/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,741
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$319/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,027
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,750/mo (50% DSR)
Upfront cash ≈ HK$257K (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).