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$6,600
+HK$379/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$6,513
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,687
−HK$178/mo
Today · 4.125%
HK$6,865
baseline
▲ 0.50% · 4.625%
HK$7,226
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,730/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$7,025
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$222/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,932/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$8,025
−HK$212/mo
Today · 4.125%
HK$8,237
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$435/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$8,196
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$259/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,420/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$9,118
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$507/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$661/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$333/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,396/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$11,723
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$319/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,008
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,712/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).