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$5,866
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$185/mo
Today · 4.125%
HK$6,234
baseline
▲ 0.50% · 4.625%
HK$6,614
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,468/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$6,526
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$178/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,758/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$7,040
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$222/mo
Today · 4.125%
HK$7,481
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,962/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$7,832
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$213/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,510/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$8,213
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$260/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,259
+HK$531/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,456/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$9,137
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$249/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$507/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,262/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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$334/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,444/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$11,747
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$319/mo
Today · 4.125%
HK$12,382
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,764/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).