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$5,856
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$185/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,446/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$6,515
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$177/mo
Today · 4.125%
HK$6,867
baseline
▲ 0.50% · 4.625%
HK$7,229
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,734/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$7,027
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$222/mo
Today · 4.125%
HK$7,468
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,936/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$7,818
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$212/mo
Today · 4.125%
HK$8,240
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,480/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$8,199
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$259/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,426/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,121
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$248/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$507/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,228/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,541
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,869
−HK$333/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,884
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,404/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$11,727
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,041
−HK$320/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,722/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).