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$5,869
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,052
−HK$185/mo
Today · 4.125%
HK$6,237
baseline
▲ 0.50% · 4.625%
HK$6,617
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,474/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$352/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$177/mo
Today · 4.125%
HK$6,882
baseline
▲ 0.50% · 4.625%
HK$7,245
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,764/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$7,043
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,262
−HK$223/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,940
+HK$455/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$8,694
+HK$435/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$8,217
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$259/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$532/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,464/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$9,141
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$248/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$508/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,270/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$10,565
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$333/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,911
+HK$684/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,454/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$11,753
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$319/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,041
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,776/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).