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$5,861
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,043
−HK$185/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,607
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,456/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$6,520
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$177/mo
Today · 4.125%
HK$6,872
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,744/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$7,033
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$222/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,948/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$7,824
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$213/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,494/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$8,205
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$260/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,250
+HK$530/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,440/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$9,128
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$248/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,128
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,242/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$10,550
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,878
−HK$333/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,422/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$11,736
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$319/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,740/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).