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$5,815
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,996
−HK$184/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,360/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$6,469
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,643
−HK$176/mo
Today · 4.125%
HK$6,819
baseline
▲ 0.50% · 4.625%
HK$7,178
+HK$359/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,638/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$6,978
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,195
−HK$221/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,832/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$7,763
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$212/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,366/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$8,141
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$258/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$526/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$17,304/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,057
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$246/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$504/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$19,092/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,467
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$331/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$677/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,248/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$11,645
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$317/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,548/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).