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$5,887
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,070
−HK$186/mo
Today · 4.125%
HK$6,256
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,512/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$6,549
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$179/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,806/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$7,064
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$223/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,964
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,014/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$7,859
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,069
−HK$214/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,720
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,566/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$8,241
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$260/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,516/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$9,168
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$250/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,328/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$10,596
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$334/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$686/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,520/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$11,788
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$321/mo
Today · 4.125%
HK$12,425
baseline
▲ 0.50% · 4.625%
HK$13,080
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,850/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).