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$5,859
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$185/mo
Today · 4.125%
HK$6,226
baseline
▲ 0.50% · 4.625%
HK$6,605
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,452/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,518
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,692
−HK$178/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,232
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,740/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,030
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$222/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,926
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,942/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$7,821
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$213/mo
Today · 4.125%
HK$8,244
baseline
▲ 0.50% · 4.625%
HK$8,678
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,488/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$8,202
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$259/mo
Today · 4.125%
HK$8,716
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,432/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,125
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$249/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,236/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,546
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$333/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,414/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$11,732
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$320/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,732/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).