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$5,855
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$185/mo
Today · 4.125%
HK$6,223
baseline
▲ 0.50% · 4.625%
HK$6,601
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,446/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$6,514
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,689
−HK$177/mo
Today · 4.125%
HK$6,866
baseline
▲ 0.50% · 4.625%
HK$7,228
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,732/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$7,027
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$222/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,922
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,934/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$7,817
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,027
−HK$212/mo
Today · 4.125%
HK$8,239
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$435/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,478/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$8,198
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$259/mo
Today · 4.125%
HK$8,712
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,424/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$9,120
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$248/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,119
+HK$507/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,224/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$10,540
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$333/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,882
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,402/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$11,725
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$319/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,010
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,718/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).