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$5,882
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,065
−HK$186/mo
Today · 4.125%
HK$6,251
baseline
▲ 0.50% · 4.625%
HK$6,631
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,502/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$6,544
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$178/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,261
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,794/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$7,059
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$223/mo
Today · 4.125%
HK$7,501
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,002/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$7,853
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$214/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,713
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,554/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$8,235
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$260/mo
Today · 4.125%
HK$8,751
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,502/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$9,161
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$249/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,312/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$10,588
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$335/mo
Today · 4.125%
HK$11,252
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,504/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$11,779
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$320/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,830/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).