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$5,817
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$183/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,362/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$6,471
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$177/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$359/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,642/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$6,980
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,197
−HK$221/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,836/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$7,765
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$212/mo
Today · 4.125%
HK$8,185
baseline
▲ 0.50% · 4.625%
HK$8,616
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,370/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$8,143
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$257/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$527/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$17,308/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$9,059
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$247/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$503/mo
Deposit HK$765K · loan HK$1.79M · min. income ≈ HK$19,098/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$10,470
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$331/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$677/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,254/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$11,648
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$317/mo
Today · 4.125%
HK$12,277
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$647/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,554/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).