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$5,846
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$185/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,426/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$6,504
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,678
−HK$177/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,217
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,710/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$7,015
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$221/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,910/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$7,805
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$212/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,452/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$8,185
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$259/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,396/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$9,105
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$248/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,194/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$10,523
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$333/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,366/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$11,707
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$318/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$651/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,678/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).