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$5,813
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$184/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,553
+HK$376/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,354/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$6,467
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$176/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,632/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$6,975
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$221/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,826/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$7,760
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,968
−HK$211/mo
Today · 4.125%
HK$8,179
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,358/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$8,138
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,391
−HK$257/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$526/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$17,296/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,053
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$246/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$503/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$19,084/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,463
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$331/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,238/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,640
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$317/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,538/mo (50% DSR)
Upfront cash ≈ HK$255K (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).