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$5,819
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,000
−HK$184/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,368/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$6,473
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,647
−HK$176/mo
Today · 4.125%
HK$6,823
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,646/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$6,982
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,200
−HK$220/mo
Today · 4.125%
HK$7,420
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,840/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$7,768
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,976
−HK$212/mo
Today · 4.125%
HK$8,188
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,376/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$8,146
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$257/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,314/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,063
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$246/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,104/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,474
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,799
−HK$331/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,260/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$11,652
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$317/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,562/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).