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$5,841
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,022
−HK$185/mo
Today · 4.125%
HK$6,207
baseline
▲ 0.50% · 4.625%
HK$6,585
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,414/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$6,498
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,672
−HK$177/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,698/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$7,009
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$221/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,902
+HK$454/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,896/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,797
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,006
−HK$213/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,177
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$259/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$529/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,380/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,097
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$247/mo
Today · 4.125%
HK$9,588
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$506/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,176/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,513
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$333/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$679/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,346/mo (50% DSR)
Upfront cash ≈ HK$256K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,696
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$318/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,656/mo (50% DSR)
Upfront cash ≈ HK$256K (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).