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$5,771
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$183/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,266/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,420
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$175/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$356/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,534/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,925
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$219/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,718/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,704
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$209/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,240/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,079
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$256/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,172/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,988
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$244/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$500/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,946/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,387
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$328/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,078/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,556
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,866
−HK$314/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$253K (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).