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$365/mo
▼ 0.25% · 3.875%
HK$6,007
−HK$184/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,568
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,382/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$6,481
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$176/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,662/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$438/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$221/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,858/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$7,777
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,986
−HK$211/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$433/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,394/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$8,156
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,410
−HK$257/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$528/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,334/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$9,073
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$247/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,068
+HK$504/mo
Deposit HK$766K · 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$10,486
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$332/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,288/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$11,666
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$317/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,592/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).