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$5,832
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,013
−HK$184/mo
Today · 4.125%
HK$6,197
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,394/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$6,488
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$176/mo
Today · 4.125%
HK$6,838
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,676/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$6,998
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$221/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,890
+HK$453/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,874/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$7,785
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,994
−HK$212/mo
Today · 4.125%
HK$8,206
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$433/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,412/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$8,164
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$258/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,352/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,083
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$247/mo
Today · 4.125%
HK$9,574
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,148/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,497
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$331/mo
Today · 4.125%
HK$11,155
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,310/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$11,678
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$318/mo
Today · 4.125%
HK$12,309
baseline
▲ 0.50% · 4.625%
HK$12,958
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,618/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).