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$5,782
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,962
−HK$182/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,518
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,288/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$6,432
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$175/mo
Today · 4.125%
HK$6,780
baseline
▲ 0.50% · 4.625%
HK$7,137
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,560/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$6,938
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$219/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,746/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$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,272/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$8,095
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$256/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,126
+HK$524/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$17,204/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,005
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$245/mo
Today · 4.125%
HK$9,492
baseline
▲ 0.50% · 4.625%
HK$9,992
+HK$500/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$18,984/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,407
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$329/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,120/mo (50% DSR)
Upfront cash ≈ HK$254K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,578
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$315/mo
Today · 4.125%
HK$12,204
baseline
▲ 0.50% · 4.625%
HK$12,847
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,408/mo (50% DSR)
Upfront cash ≈ HK$254K (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).