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$366/mo
▼ 0.25% · 3.875%
HK$6,007
−HK$184/mo
Today · 4.125%
HK$6,191
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,382/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$6,481
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$177/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,662/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$439/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$221/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,858/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$7,777
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$212/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,629
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,394/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$8,156
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$258/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,334/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,073
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$247/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,126/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,486
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$331/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,286/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$11,665
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$317/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$649/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).