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$5,885
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,068
−HK$186/mo
Today · 4.125%
HK$6,254
baseline
▲ 0.50% · 4.625%
HK$6,634
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,508/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$6,546
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,722
−HK$178/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,264
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,800/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$7,061
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$223/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,008/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$7,856
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$214/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,717
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,560/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$8,238
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$260/mo
Today · 4.125%
HK$8,755
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,510/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$9,165
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,411
−HK$249/mo
Today · 4.125%
HK$9,660
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,320/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$10,592
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$334/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,512/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$11,784
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$320/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,840/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).