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$5,873
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,056
−HK$186/mo
Today · 4.125%
HK$6,242
baseline
▲ 0.50% · 4.625%
HK$6,621
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,484/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$6,534
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,709
−HK$178/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,250
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,774/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$7,048
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$223/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,980/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$7,841
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,051
−HK$213/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,700
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,528/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$8,223
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$260/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,476/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$9,148
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$249/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,150
+HK$508/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,284/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$10,572
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$334/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,470/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$11,761
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$320/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$653/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,794/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).