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$5,843
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,025
−HK$185/mo
Today · 4.125%
HK$6,210
baseline
▲ 0.50% · 4.625%
HK$6,587
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,420/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$6,500
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$177/mo
Today · 4.125%
HK$6,852
baseline
▲ 0.50% · 4.625%
HK$7,213
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,704/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$7,012
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$221/mo
Today · 4.125%
HK$7,451
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$454/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,902/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$7,800
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$212/mo
Today · 4.125%
HK$8,222
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,444/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$8,180
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$258/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,222
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,386/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$9,101
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$247/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,184/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$10,518
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$332/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,354/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$11,701
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$318/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,666/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).