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$5,863
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,045
−HK$185/mo
Today · 4.125%
HK$6,230
baseline
▲ 0.50% · 4.625%
HK$6,609
+HK$379/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,460/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$6,522
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$178/mo
Today · 4.125%
HK$6,875
baseline
▲ 0.50% · 4.625%
HK$7,237
+HK$362/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,750/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$7,035
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$222/mo
Today · 4.125%
HK$7,476
baseline
▲ 0.50% · 4.625%
HK$7,931
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,952/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$7,827
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$212/mo
Today · 4.125%
HK$8,249
baseline
▲ 0.50% · 4.625%
HK$8,684
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,498/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$8,208
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$259/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,253
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,444/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$9,131
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$248/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$508/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,248/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$10,553
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$334/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,430/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$11,740
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$319/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,026
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,748/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).