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$5,861
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$185/mo
Today · 4.125%
HK$6,229
baseline
▲ 0.50% · 4.625%
HK$6,608
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,458/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$6,521
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$177/mo
Today · 4.125%
HK$6,873
baseline
▲ 0.50% · 4.625%
HK$7,235
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,746/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$7,034
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$223/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,929
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,950/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$7,825
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$212/mo
Today · 4.125%
HK$8,247
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,494/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$8,206
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$259/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,251
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,440/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,129
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$248/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,244/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,550
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,878
−HK$334/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,894
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,424/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$11,737
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$319/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,742/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).