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$5,860
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$185/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,454/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,519
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$177/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$363/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,742/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,032
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$222/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,928
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,946/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$7,823
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,033
−HK$213/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,680
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,492/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$8,204
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$259/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,436/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,127
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$248/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,240/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,548
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$333/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,418/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$11,734
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$319/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,736/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).