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$5,816
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,997
−HK$184/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,362/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$6,470
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$176/mo
Today · 4.125%
HK$6,820
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,640/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$6,979
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$220/mo
Today · 4.125%
HK$7,417
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,834/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$7,765
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$211/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,615
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,368/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$8,143
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$257/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$527/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$17,306/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,059
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$246/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,051
+HK$503/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$19,096/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,469
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$331/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$677/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,647
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$317/mo
Today · 4.125%
HK$12,276
baseline
▲ 0.50% · 4.625%
HK$12,923
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,552/mo (50% DSR)
Upfront cash ≈ HK$255K (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).