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$5,848
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,030
−HK$184/mo
Today · 4.125%
HK$6,214
baseline
▲ 0.50% · 4.625%
HK$6,593
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,428/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$6,506
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,680
−HK$177/mo
Today · 4.125%
HK$6,857
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,714/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$7,017
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$221/mo
Today · 4.125%
HK$7,457
baseline
▲ 0.50% · 4.625%
HK$7,911
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,914/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$7,807
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$212/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,456/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$8,187
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$259/mo
Today · 4.125%
HK$8,700
baseline
▲ 0.50% · 4.625%
HK$9,230
+HK$530/mo
Deposit HK$769K · loan HK$1.80M · min. income ≈ HK$17,400/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,108
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,352
−HK$248/mo
Today · 4.125%
HK$9,600
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$506/mo
Deposit HK$769K · loan HK$1.80M · min. income ≈ HK$19,200/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,526
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$333/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$681/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,372/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$11,710
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$319/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,686/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).