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$5,825
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$184/mo
Today · 4.125%
HK$6,190
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,380/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$6,480
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$176/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,190
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,660/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$6,990
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,207
−HK$221/mo
Today · 4.125%
HK$7,428
baseline
▲ 0.50% · 4.625%
HK$7,880
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,856/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$7,776
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$211/mo
Today · 4.125%
HK$8,196
baseline
▲ 0.50% · 4.625%
HK$8,628
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,392/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$8,155
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$257/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$528/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,332/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$9,072
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$246/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$505/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,124/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$10,485
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$331/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,284/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$11,664
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$318/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,590/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).