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$5,769
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$182/mo
Today · 4.125%
HK$6,131
baseline
▲ 0.50% · 4.625%
HK$6,504
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,262/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$6,418
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$175/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,530/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$6,923
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$218/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,714/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$7,702
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$209/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,546
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,236/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$8,077
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$256/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,168/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$8,986
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$244/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,942/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$10,385
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$328/mo
Today · 4.125%
HK$11,036
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,072/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$11,553
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$314/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,354/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).