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$370/mo
▼ 0.25% · 3.875%
HK$6,074
−HK$186/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,641
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,520/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$6,553
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,729
−HK$178/mo
Today · 4.125%
HK$6,907
baseline
▲ 0.50% · 4.625%
HK$7,271
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,814/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$7,068
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,288
−HK$224/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,969
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,024/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$7,864
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$213/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,725
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,576/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$8,247
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$261/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,528/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$9,174
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$250/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,340/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$10,603
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$335/mo
Today · 4.125%
HK$11,268
baseline
▲ 0.50% · 4.625%
HK$11,953
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,536/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$11,795
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$321/mo
Today · 4.125%
HK$12,433
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,866/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).