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$5,875
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,058
−HK$185/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$6,536
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$178/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,252
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,778/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$7,050
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$223/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,948
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,984/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$7,843
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$214/mo
Today · 4.125%
HK$8,267
baseline
▲ 0.50% · 4.625%
HK$8,702
+HK$435/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,534/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$8,225
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,481
−HK$260/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$531/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,482/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$9,150
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$249/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$509/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$10,575
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$334/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,476/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$11,764
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$320/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$653/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,800/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).