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$5,822
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$184/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,374/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$6,477
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$176/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,654/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$6,986
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,204
−HK$220/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,876
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,848/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$7,772
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$211/mo
Today · 4.125%
HK$8,192
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,384/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$8,151
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$258/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,324/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$9,068
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$246/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,114/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$10,479
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$332/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$677/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,274/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$11,658
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$317/mo
Today · 4.125%
HK$12,288
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,576/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).