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$5,836
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,018
−HK$184/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,579
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,404/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$6,493
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,667
−HK$176/mo
Today · 4.125%
HK$6,843
baseline
▲ 0.50% · 4.625%
HK$7,204
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,686/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$7,003
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$221/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,884/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$7,791
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$212/mo
Today · 4.125%
HK$8,212
baseline
▲ 0.50% · 4.625%
HK$8,645
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,424/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$8,170
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$258/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$528/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,366/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,090
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$248/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$505/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,162/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,505
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$332/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,328/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$11,687
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$318/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,636/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).