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$5,872
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,055
−HK$185/mo
Today · 4.125%
HK$6,240
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,480/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$6,533
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,708
−HK$178/mo
Today · 4.125%
HK$6,886
baseline
▲ 0.50% · 4.625%
HK$7,249
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,772/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$7,047
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$222/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,944
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,976/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$7,839
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$214/mo
Today · 4.125%
HK$8,263
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$435/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,526/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$8,221
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$260/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$531/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,474/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,146
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,391
−HK$249/mo
Today · 4.125%
HK$9,640
baseline
▲ 0.50% · 4.625%
HK$10,148
+HK$508/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,280/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,570
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$334/mo
Today · 4.125%
HK$11,233
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$683/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,466/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$11,759
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$320/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$653/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,788/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).