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$5,865
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$185/mo
Today · 4.125%
HK$6,233
baseline
▲ 0.50% · 4.625%
HK$6,613
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,466/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$6,525
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$178/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,240
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,756/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$7,039
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$223/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,935
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,960/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$7,830
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,040
−HK$213/mo
Today · 4.125%
HK$8,253
baseline
▲ 0.50% · 4.625%
HK$8,688
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,506/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$8,212
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$260/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$531/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,454/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$9,135
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$249/mo
Today · 4.125%
HK$9,629
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$507/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,258/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$10,558
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$334/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,440/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$11,745
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$320/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,760/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).