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$6,632
+HK$380/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$6,544
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$178/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,796/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$7,059
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$223/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,958
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,004/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$7,853
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,064
−HK$214/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$436/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$8,236
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$260/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,504/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$9,162
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,408
−HK$249/mo
Today · 4.125%
HK$9,657
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$509/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,314/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$10,589
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$335/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$684/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,506/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$11,780
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$320/mo
Today · 4.125%
HK$12,416
baseline
▲ 0.50% · 4.625%
HK$13,071
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,832/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).