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$7,066
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,286
−HK$223/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,018/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$7,861
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,072
−HK$214/mo
Today · 4.125%
HK$8,286
baseline
▲ 0.50% · 4.625%
HK$8,723
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,572/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$8,244
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$260/mo
Today · 4.125%
HK$8,761
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,522/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$9,171
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$250/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,334/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$664/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$335/mo
Today · 4.125%
HK$11,264
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$686/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,528/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$11,792
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$321/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,084
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,858/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).