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$5,839
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$184/mo
Today · 4.125%
HK$6,205
baseline
▲ 0.50% · 4.625%
HK$6,583
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,410/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$6,496
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,670
−HK$177/mo
Today · 4.125%
HK$6,847
baseline
▲ 0.50% · 4.625%
HK$7,208
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,694/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$7,007
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$221/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$453/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$14,892/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$7,795
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,004
−HK$212/mo
Today · 4.125%
HK$8,216
baseline
▲ 0.50% · 4.625%
HK$8,649
+HK$433/mo
Deposit HK$1.02M · loan HK$1.54M · min. income ≈ HK$16,432/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$8,175
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$258/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$529/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$17,374/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$9,094
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$247/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$506/mo
Deposit HK$768K · loan HK$1.79M · min. income ≈ HK$19,170/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$10,510
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$332/mo
Today · 4.125%
HK$11,169
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$680/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,338/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$11,692
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$318/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$650/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,648/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).