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$5,874
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$186/mo
Today · 4.125%
HK$6,243
baseline
▲ 0.50% · 4.625%
HK$6,623
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,486/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$6,535
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$177/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,251
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,776/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$7,049
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$222/mo
Today · 4.125%
HK$7,491
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,982/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$7,842
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$213/mo
Today · 4.125%
HK$8,266
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,532/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$8,224
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$260/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,480/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,149
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$249/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$508/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,288/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,574
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,903
−HK$334/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,921
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,474/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$11,763
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$320/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,798/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).