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$5,830
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,011
−HK$184/mo
Today · 4.125%
HK$6,195
baseline
▲ 0.50% · 4.625%
HK$6,572
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,390/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$6,485
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,659
−HK$177/mo
Today · 4.125%
HK$6,836
baseline
▲ 0.50% · 4.625%
HK$7,196
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,672/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$6,996
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$221/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,887
+HK$453/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,868/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$7,782
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,991
−HK$212/mo
Today · 4.125%
HK$8,203
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,406/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$8,161
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$258/mo
Today · 4.125%
HK$8,673
baseline
▲ 0.50% · 4.625%
HK$9,201
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,346/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$9,080
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$247/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$505/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,140/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$10,493
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$331/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,302/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$11,674
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,987
−HK$317/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,608/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).