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$5,854
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,036
−HK$185/mo
Today · 4.125%
HK$6,221
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,442/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$6,512
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$177/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,728/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$7,024
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$222/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,919
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,930/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,815
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$213/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,671
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,474/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,195
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$259/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,239
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,418/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,117
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$506/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,220/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,537
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$333/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,722
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$319/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,710/mo (50% DSR)
Upfront cash ≈ HK$257K (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).