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$5,828
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,010
−HK$184/mo
Today · 4.125%
HK$6,194
baseline
▲ 0.50% · 4.625%
HK$6,571
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,388/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$6,484
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,658
−HK$176/mo
Today · 4.125%
HK$6,834
baseline
▲ 0.50% · 4.625%
HK$7,195
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,668/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$6,994
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$221/mo
Today · 4.125%
HK$7,433
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,866/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$7,781
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$211/mo
Today · 4.125%
HK$8,201
baseline
▲ 0.50% · 4.625%
HK$8,634
+HK$433/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,402/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$8,160
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$257/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,342/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$9,078
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,321
−HK$247/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,072
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,136/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$10,491
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$331/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$678/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,298/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$11,671
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$318/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$648/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,604/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).