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$5,847
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,029
−HK$185/mo
Today · 4.125%
HK$6,214
baseline
▲ 0.50% · 4.625%
HK$6,592
+HK$378/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$6,505
−HK$352/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$7,235
−HK$222/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$7,806
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$213/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$8,186
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$259/mo
Today · 4.125%
HK$8,700
baseline
▲ 0.50% · 4.625%
HK$9,229
+HK$529/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$9,107
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$248/mo
Today · 4.125%
HK$9,599
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$506/mo
Deposit HK$769K · loan HK$1.80M · min. income ≈ HK$19,198/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$10,525
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$332/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$681/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,370/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$11,709
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$319/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,684/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).