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$5,840
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$185/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,584
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,412/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$6,497
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$177/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,696/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$7,008
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$221/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,894/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$7,796
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$212/mo
Today · 4.125%
HK$8,217
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,434/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$8,176
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,430
−HK$258/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$529/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,376/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$9,095
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$248/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,092
+HK$505/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,174/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$10,512
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$332/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,342/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$11,694
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$318/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$650/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,652/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).