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$5,844
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,025
−HK$185/mo
Today · 4.125%
HK$6,210
baseline
▲ 0.50% · 4.625%
HK$6,588
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,420/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$6,501
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,675
−HK$177/mo
Today · 4.125%
HK$6,852
baseline
▲ 0.50% · 4.625%
HK$7,213
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,704/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$7,012
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$222/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$453/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,904/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$7,801
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,010
−HK$213/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$433/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,446/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$8,181
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$259/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$529/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,388/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$9,101
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$248/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,186/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$10,518
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$332/mo
Today · 4.125%
HK$11,178
baseline
▲ 0.50% · 4.625%
HK$11,858
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,356/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$11,702
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$319/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$12,984
+HK$650/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,668/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).