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$5,889
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,072
−HK$186/mo
Today · 4.125%
HK$6,258
baseline
▲ 0.50% · 4.625%
HK$6,639
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,516/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$6,551
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$178/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,269
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,810/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$7,067
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$223/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,967
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,020/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$7,862
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$214/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$436/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,574/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$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$261/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,524/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,172
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$250/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$509/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,600
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,930
−HK$335/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,530/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$11,793
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$321/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,085
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,860/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).