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$5,826
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,007
−HK$185/mo
Today · 4.125%
HK$6,192
baseline
▲ 0.50% · 4.625%
HK$6,568
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,384/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$6,482
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$177/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,192
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,664/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$6,991
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,209
−HK$221/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,860/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$7,778
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$211/mo
Today · 4.125%
HK$8,198
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,396/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$8,157
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,410
−HK$258/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,336/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$9,074
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,318
−HK$246/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$505/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,128/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$10,487
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$332/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$678/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,290/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$11,667
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$317/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$648/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,594/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).