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$5,850
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,032
−HK$185/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,434/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$6,508
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$178/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,720/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$7,020
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$222/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,920/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$7,810
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$212/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,665
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,462/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$8,190
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,445
−HK$258/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,406/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$9,111
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$248/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$507/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,206/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$10,530
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$333/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,871
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,380/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$11,714
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$319/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,694/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).