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$5,834
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$184/mo
Today · 4.125%
HK$6,199
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,398/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$6,490
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$176/mo
Today · 4.125%
HK$6,840
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,680/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$7,000
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$221/mo
Today · 4.125%
HK$7,439
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$453/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,878/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$7,788
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$212/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,418/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$8,167
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$258/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$528/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,358/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$9,086
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$248/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,154/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$10,500
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$332/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,838
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,318/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$11,682
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$318/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,626/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).