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$5,820
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,001
−HK$184/mo
Today · 4.125%
HK$6,185
baseline
▲ 0.50% · 4.625%
HK$6,561
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,370/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$6,474
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,648
−HK$176/mo
Today · 4.125%
HK$6,824
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,648/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$6,984
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,201
−HK$220/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,873
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,842/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$7,769
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,977
−HK$212/mo
Today · 4.125%
HK$8,189
baseline
▲ 0.50% · 4.625%
HK$8,621
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,378/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$8,147
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$257/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,316/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$9,064
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,307
−HK$247/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$503/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,108/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$10,475
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$331/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,264/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$11,654
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$317/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,566/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).