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$5,879
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$186/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,496/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$6,540
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$178/mo
Today · 4.125%
HK$6,894
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,788/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$7,055
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$223/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,994/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$7,848
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$213/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,544/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$8,230
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$261/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,279
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,494/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$9,156
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$249/mo
Today · 4.125%
HK$9,651
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$509/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,302/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$10,582
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$335/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,492/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$11,772
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$320/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,816/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).