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$5,827
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,008
−HK$184/mo
Today · 4.125%
HK$6,192
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$377/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$351/mo
▼ 0.25% · 3.875%
HK$6,656
−HK$177/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,193
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,666/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$6,992
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$221/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,862/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$7,779
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,987
−HK$212/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,631
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,398/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$8,158
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$258/mo
Today · 4.125%
HK$8,669
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,338/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$9,075
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$247/mo
Today · 4.125%
HK$9,566
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,132/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$10,488
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$331/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$678/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,292/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$11,668
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,981
−HK$318/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$648/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,598/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).