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$5,845
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,027
−HK$185/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$351/mo
▼ 0.25% · 3.875%
HK$6,677
−HK$177/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,708/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$7,014
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$221/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,908/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$7,803
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,013
−HK$212/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,450/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$8,183
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,438
−HK$259/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$9,104
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$248/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,192/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$659/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$332/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$681/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,362/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$11,705
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$319/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$650/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).