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$5,890
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,073
−HK$186/mo
Today · 4.125%
HK$6,259
baseline
▲ 0.50% · 4.625%
HK$6,640
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,518/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$6,552
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,728
−HK$178/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,270
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,812/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$7,067
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$224/mo
Today · 4.125%
HK$7,511
baseline
▲ 0.50% · 4.625%
HK$7,968
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,022/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$7,862
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$214/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,574/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$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$260/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,296
+HK$534/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,524/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,173
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$249/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,601
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$686/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,532/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$11,794
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$321/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,086
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,862/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).