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$5,877
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,060
−HK$186/mo
Today · 4.125%
HK$6,246
baseline
▲ 0.50% · 4.625%
HK$6,626
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,492/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$6,538
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$178/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,255
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,784/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$7,053
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$223/mo
Today · 4.125%
HK$7,495
baseline
▲ 0.50% · 4.625%
HK$7,951
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,990/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$7,846
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$213/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,540/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$8,228
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$260/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,488/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$9,154
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,399
−HK$249/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$509/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,296/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$10,579
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$335/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,486/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$11,769
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$320/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,810/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).