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$5,827
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,009
−HK$184/mo
Today · 4.125%
HK$6,193
baseline
▲ 0.50% · 4.625%
HK$6,569
+HK$376/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,386/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$6,483
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,657
−HK$176/mo
Today · 4.125%
HK$6,833
baseline
▲ 0.50% · 4.625%
HK$7,193
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,666/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$6,993
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,210
−HK$221/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,862/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$7,779
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,988
−HK$212/mo
Today · 4.125%
HK$8,200
baseline
▲ 0.50% · 4.625%
HK$8,632
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,400/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$8,158
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$258/mo
Today · 4.125%
HK$8,670
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$527/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,340/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,076
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$247/mo
Today · 4.125%
HK$9,566
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$504/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,132/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,489
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$332/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$678/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,294/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$11,669
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$317/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,598/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).