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$5,880
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,063
−HK$185/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,629
+HK$381/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$6,541
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,717
−HK$178/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,790/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$7,056
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,275
−HK$223/mo
Today · 4.125%
HK$7,498
baseline
▲ 0.50% · 4.625%
HK$7,954
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,996/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$7,849
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$213/mo
Today · 4.125%
HK$8,273
baseline
▲ 0.50% · 4.625%
HK$8,710
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,546/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$8,232
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$260/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$532/mo
Deposit HK$774K · loan HK$1.80M · min. income ≈ HK$17,496/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$9,158
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$249/mo
Today · 4.125%
HK$9,652
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$509/mo
Deposit HK$774K · loan HK$1.80M · min. income ≈ HK$19,304/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$10,584
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$334/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,494/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$11,774
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$320/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,820/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).