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$366/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$184/mo
Today · 4.125%
HK$6,212
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,424/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$6,503
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,678
−HK$177/mo
Today · 4.125%
HK$6,855
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$361/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$7,233
−HK$222/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$453/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$7,804
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$213/mo
Today · 4.125%
HK$8,226
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$433/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$8,184
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$258/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,226
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,394/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$10,102
+HK$505/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$10,522
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$332/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$681/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,364/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$11,706
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$318/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$651/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,676/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).