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$5,850
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,032
−HK$185/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,434/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$6,508
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$177/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,720/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$7,020
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$222/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$453/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,922/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$7,810
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$213/mo
Today · 4.125%
HK$8,232
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,464/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$8,190
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,445
−HK$259/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,408/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,112
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$248/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$506/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,208/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,530
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$333/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,382/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$11,715
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$319/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,696/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).