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$368/mo
▼ 0.25% · 3.875%
HK$6,056
−HK$186/mo
Today · 4.125%
HK$6,242
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,484/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$6,534
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$177/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,250
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,774/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$7,048
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,268
−HK$222/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,946
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,980/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$7,841
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$213/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,530/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$8,223
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$260/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,478/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$9,148
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$248/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$509/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,284/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$10,573
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$335/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$683/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,472/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$11,762
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$320/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,794/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).