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$5,871
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,054
−HK$185/mo
Today · 4.125%
HK$6,239
baseline
▲ 0.50% · 4.625%
HK$6,619
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,478/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$6,532
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,707
−HK$178/mo
Today · 4.125%
HK$6,885
baseline
▲ 0.50% · 4.625%
HK$7,247
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,770/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$7,045
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$222/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$456/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,974/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$7,838
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$213/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,697
+HK$436/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,522/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$8,220
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$260/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,267
+HK$532/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$17,470/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$9,144
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,390
−HK$248/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$508/mo
Deposit HK$772K · loan HK$1.80M · min. income ≈ HK$19,276/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$10,568
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$334/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$683/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$22,462/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$11,757
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$320/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$653/mo
Deposit HK$257K · loan HK$2.32M · min. income ≈ HK$24,784/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).