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$5,817
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$184/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,364/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$6,471
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$176/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,642/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$6,980
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$220/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,836/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$7,766
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,974
−HK$211/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,370/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$8,144
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$258/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$526/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$17,310/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,060
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$246/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$504/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$19,098/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,471
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$331/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$677/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,254/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,649
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$317/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$12,925
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,556/mo (50% DSR)
Upfront cash ≈ HK$255K (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).