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$5,842
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$184/mo
Today · 4.125%
HK$6,208
baseline
▲ 0.50% · 4.625%
HK$6,586
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,416/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$6,499
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,673
−HK$177/mo
Today · 4.125%
HK$6,850
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,700/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$7,010
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$222/mo
Today · 4.125%
HK$7,450
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,900/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$7,799
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,008
−HK$212/mo
Today · 4.125%
HK$8,220
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,440/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$8,179
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$258/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,382/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,099
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$247/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,180/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,515
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$333/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,350/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$11,698
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$318/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$12,980
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,660/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).