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$5,880
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$186/mo
Today · 4.125%
HK$6,249
baseline
▲ 0.50% · 4.625%
HK$6,630
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,498/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$6,542
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$178/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,259
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,790/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$7,057
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$223/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,955
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,998/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$7,850
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$214/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,711
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,550/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$8,233
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$260/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$532/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,498/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,159
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$250/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$508/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,308/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,585
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$335/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,498/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$11,776
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$321/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,066
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,824/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).