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$5,834
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$185/mo
Today · 4.125%
HK$6,200
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,400/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$6,490
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$177/mo
Today · 4.125%
HK$6,841
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,682/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$7,001
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$222/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$452/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,880/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$7,788
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,997
−HK$212/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,418/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$8,168
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$258/mo
Today · 4.125%
HK$8,680
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$528/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,360/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,086
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$247/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$505/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,154/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,501
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$332/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,320/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$11,682
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$317/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$650/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,626/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).