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$5,864
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$185/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,611
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,462/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$6,523
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$178/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,238
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,752/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$7,036
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$223/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,956/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$7,828
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$213/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,502/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$8,209
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$259/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,448/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,133
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$248/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,252/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,555
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$334/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$319/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$653/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$257K (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).