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$5,878
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$186/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,494/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$6,539
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$177/mo
Today · 4.125%
HK$6,892
baseline
▲ 0.50% · 4.625%
HK$7,256
+HK$364/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$7,054
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,273
−HK$223/mo
Today · 4.125%
HK$7,496
baseline
▲ 0.50% · 4.625%
HK$7,952
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,992/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$7,847
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$214/mo
Today · 4.125%
HK$8,271
baseline
▲ 0.50% · 4.625%
HK$8,707
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,542/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$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$260/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,490/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$9,155
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$249/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$509/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,298/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$10,580
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$335/mo
Today · 4.125%
HK$11,244
baseline
▲ 0.50% · 4.625%
HK$11,928
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,488/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$11,771
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$320/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,812/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).