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$5,884
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$186/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,506/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$6,545
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$178/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,798/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$7,060
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$223/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,960
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,006/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$7,854
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$214/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,558/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$8,237
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$261/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$532/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,508/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$9,164
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$250/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,318/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$10,590
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$335/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,510/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$11,782
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$320/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,836/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).