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$5,867
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,049
−HK$186/mo
Today · 4.125%
HK$6,235
baseline
▲ 0.50% · 4.625%
HK$6,614
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,470/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$6,527
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,702
−HK$177/mo
Today · 4.125%
HK$6,879
baseline
▲ 0.50% · 4.625%
HK$7,242
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,758/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$7,040
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$223/mo
Today · 4.125%
HK$7,482
baseline
▲ 0.50% · 4.625%
HK$7,937
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,964/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$7,832
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$213/mo
Today · 4.125%
HK$8,255
baseline
▲ 0.50% · 4.625%
HK$8,690
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,510/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$8,213
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$260/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,260
+HK$531/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,458/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$9,137
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$249/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$508/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,262/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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,889
−HK$333/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,444/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$11,748
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$320/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,036
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,766/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).