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$5,855
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,037
−HK$185/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,601
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,444/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$6,514
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,688
−HK$177/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,227
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,730/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$7,026
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$222/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,921
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,932/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$7,816
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,026
−HK$213/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,673
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,478/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$8,197
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,452
−HK$259/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,241
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,422/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$9,119
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$248/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$506/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,224/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$10,539
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$333/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,400/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$11,724
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$319/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,716/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).