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$5,837
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,018
−HK$185/mo
Today · 4.125%
HK$6,203
baseline
▲ 0.50% · 4.625%
HK$6,580
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,406/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$6,493
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,668
−HK$176/mo
Today · 4.125%
HK$6,844
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,688/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$7,004
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$221/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,896
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,886/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$7,792
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,001
−HK$212/mo
Today · 4.125%
HK$8,213
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,426/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$8,172
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,426
−HK$258/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,212
+HK$528/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,368/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$9,091
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$247/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$505/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,164/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$10,506
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$332/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,845
+HK$680/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,330/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$11,688
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,002
−HK$318/mo
Today · 4.125%
HK$12,320
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,640/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).