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$5,803
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,984
−HK$183/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,542
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,334/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$6,456
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$176/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,610/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$6,964
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,181
−HK$220/mo
Today · 4.125%
HK$7,401
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,802/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$7,747
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$211/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,332/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$8,125
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$257/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,159
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,268/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$9,038
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$246/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,054/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$10,446
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$330/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,202/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$11,621
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,933
−HK$316/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,498/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).