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$5,821
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,002
−HK$184/mo
Today · 4.125%
HK$6,186
baseline
▲ 0.50% · 4.625%
HK$6,562
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,372/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$6,475
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,649
−HK$176/mo
Today · 4.125%
HK$6,825
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,650/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$6,985
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,202
−HK$221/mo
Today · 4.125%
HK$7,423
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,846/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$7,771
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$211/mo
Today · 4.125%
HK$8,190
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,380/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$8,149
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$258/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,320/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,066
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$246/mo
Today · 4.125%
HK$9,555
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,110/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,477
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$331/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,268/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,656
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$318/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$255K (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).