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$366/mo
▼ 0.25% · 3.875%
HK$6,012
−HK$184/mo
Today · 4.125%
HK$6,196
baseline
▲ 0.50% · 4.625%
HK$6,573
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,392/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$6,486
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$177/mo
Today · 4.125%
HK$6,837
baseline
▲ 0.50% · 4.625%
HK$7,197
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,674/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$6,997
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,214
−HK$221/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,888
+HK$453/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,870/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$7,784
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,992
−HK$212/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$433/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,408/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$8,163
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,417
−HK$257/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,348/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$9,081
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$247/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$505/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,142/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$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,821
−HK$332/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,306/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$11,675
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$318/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,612/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).