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$5,881
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$186/mo
Today · 4.125%
HK$6,250
baseline
▲ 0.50% · 4.625%
HK$6,630
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,500/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$6,543
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$178/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,260
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,792/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$7,057
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$223/mo
Today · 4.125%
HK$7,500
baseline
▲ 0.50% · 4.625%
HK$7,956
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,000/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$7,851
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$213/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,712
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,550/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$8,234
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$260/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,282
+HK$532/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,500/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$9,160
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$250/mo
Today · 4.125%
HK$9,655
baseline
▲ 0.50% · 4.625%
HK$10,164
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,310/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$10,586
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$335/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,500/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$11,777
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$320/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,826/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).