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$5,876
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,059
−HK$186/mo
Today · 4.125%
HK$6,245
baseline
▲ 0.50% · 4.625%
HK$6,625
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,490/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$6,537
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$178/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,254
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,782/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$7,052
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$223/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,950
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$14,988/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$7,845
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,055
−HK$214/mo
Today · 4.125%
HK$8,269
baseline
▲ 0.50% · 4.625%
HK$8,705
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,538/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$8,227
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$260/mo
Today · 4.125%
HK$8,743
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$532/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$17,486/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$9,152
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$249/mo
Today · 4.125%
HK$9,647
baseline
▲ 0.50% · 4.625%
HK$10,155
+HK$508/mo
Deposit HK$773K · loan HK$1.80M · min. income ≈ HK$19,294/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$10,577
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$335/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,482/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$11,767
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$320/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,806/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).