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$5,805
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,986
−HK$183/mo
Today · 4.125%
HK$6,169
baseline
▲ 0.50% · 4.625%
HK$6,544
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,338/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$6,458
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,631
−HK$176/mo
Today · 4.125%
HK$6,807
baseline
▲ 0.50% · 4.625%
HK$7,166
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,614/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$6,966
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,183
−HK$220/mo
Today · 4.125%
HK$7,403
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,806/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$7,750
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$210/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,599
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,336/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$8,127
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$257/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,162
+HK$525/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,274/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,041
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$246/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$502/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,060/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,449
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$330/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,208/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$11,625
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$317/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$645/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,506/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).