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$5,849
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$185/mo
Today · 4.125%
HK$6,216
baseline
▲ 0.50% · 4.625%
HK$6,594
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,432/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$6,507
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$177/mo
Today · 4.125%
HK$6,859
baseline
▲ 0.50% · 4.625%
HK$7,220
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,718/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$7,019
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$222/mo
Today · 4.125%
HK$7,459
baseline
▲ 0.50% · 4.625%
HK$7,913
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,918/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$7,808
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$212/mo
Today · 4.125%
HK$8,230
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,460/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$8,189
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$259/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,404/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,110
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$248/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$506/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,204/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,528
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$333/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$680/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,378/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$318/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$257K (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).