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$5,868
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,051
−HK$185/mo
Today · 4.125%
HK$6,236
baseline
▲ 0.50% · 4.625%
HK$6,616
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,472/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$6,528
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$178/mo
Today · 4.125%
HK$6,881
baseline
▲ 0.50% · 4.625%
HK$7,244
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,762/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$7,042
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,261
−HK$222/mo
Today · 4.125%
HK$7,483
baseline
▲ 0.50% · 4.625%
HK$7,939
+HK$456/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,966/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$7,834
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,044
−HK$213/mo
Today · 4.125%
HK$8,257
baseline
▲ 0.50% · 4.625%
HK$8,692
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,514/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$8,215
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$260/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$531/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,462/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,140
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$248/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$508/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,266/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,563
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$334/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,450/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$11,751
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$320/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,039
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,772/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).