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$5,832
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$184/mo
Today · 4.125%
HK$6,198
baseline
▲ 0.50% · 4.625%
HK$6,575
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,396/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$6,488
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,662
−HK$177/mo
Today · 4.125%
HK$6,839
baseline
▲ 0.50% · 4.625%
HK$7,199
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,678/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$6,999
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$222/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,890
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,876/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$7,786
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,995
−HK$212/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,414/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$8,165
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$258/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,354/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$9,084
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$248/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,150/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$10,498
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$331/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,312/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$11,679
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$318/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,620/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).