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$5,885
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,069
−HK$186/mo
Today · 4.125%
HK$6,255
baseline
▲ 0.50% · 4.625%
HK$6,635
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,510/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$6,548
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$178/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,265
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,802/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$7,063
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$223/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,010/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$7,857
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$214/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,564/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$8,240
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$260/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,512/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$9,167
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$250/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,324/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$10,594
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$335/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,516/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$11,786
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$320/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,844/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).