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$5,880
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$186/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,629
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,498/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$6,541
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$178/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,790/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$7,056
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,275
−HK$223/mo
Today · 4.125%
HK$7,498
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,996/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$7,850
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$214/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,710
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,548/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$8,232
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$260/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,496/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,158
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$249/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,306/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$335/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,496/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$11,775
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$321/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,822/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).