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$5,883
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$186/mo
Today · 4.125%
HK$6,252
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,504/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$6,545
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$178/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,798/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$7,060
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$224/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,959
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,006/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$7,854
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$213/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,556/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$8,237
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$260/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,506/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,163
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$249/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,316/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$335/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,508/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$11,781
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$321/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$654/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,836/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).