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$5,836
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,017
−HK$185/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,404/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$6,492
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,666
−HK$177/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,686/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$7,003
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$221/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,884/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$7,791
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$212/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,644
+HK$432/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,424/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$8,170
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,424
−HK$258/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$529/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,364/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,089
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$247/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$505/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,160/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,504
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$332/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,842
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,326/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$11,686
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$318/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$650/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,634/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).