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$5,870
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$186/mo
Today · 4.125%
HK$6,238
baseline
▲ 0.50% · 4.625%
HK$6,617
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,476/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$6,530
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$178/mo
Today · 4.125%
HK$6,883
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,766/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$7,044
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$222/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,941
+HK$456/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,970/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$7,836
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$213/mo
Today · 4.125%
HK$8,259
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$436/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,518/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$8,218
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$260/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$531/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,466/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$9,142
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$249/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$508/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,272/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$10,566
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$334/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,911
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,456/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$11,754
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$320/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,778/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).