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$5,845
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$184/mo
Today · 4.125%
HK$6,211
baseline
▲ 0.50% · 4.625%
HK$6,589
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,422/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$6,502
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$177/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,708/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$7,014
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$222/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$453/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,908/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$7,803
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$212/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,448/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$8,183
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$259/mo
Today · 4.125%
HK$8,696
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,392/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,103
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$248/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,190/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,521
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$332/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$681/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,360/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$11,704
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$319/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,674/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).