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$5,849
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$184/mo
Today · 4.125%
HK$6,215
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,430/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,507
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,681
−HK$177/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,220
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,716/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,018
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$221/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,912
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,916/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$7,808
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$213/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$433/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,460/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$8,188
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$259/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$529/mo
Deposit HK$769K · loan HK$1.80M · min. income ≈ HK$17,404/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,109
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$248/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,107
+HK$506/mo
Deposit HK$769K · loan HK$1.80M · min. income ≈ HK$19,202/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,528
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$333/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$319/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$257K (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).