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$5,888
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$186/mo
Today · 4.125%
HK$6,257
baseline
▲ 0.50% · 4.625%
HK$6,637
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,514/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$6,550
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,726
−HK$178/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,268
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,808/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$7,065
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$223/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,965
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,016/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$7,860
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$213/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,721
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,568/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$8,243
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$260/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,518/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,170
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$249/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,330/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,598
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$335/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,524/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$11,790
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$321/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,854/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).