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$363/mo
▼ 0.25% · 3.875%
HK$5,985
−HK$183/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,544
+HK$376/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,336/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$6,457
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,631
−HK$175/mo
Today · 4.125%
HK$6,806
baseline
▲ 0.50% · 4.625%
HK$7,165
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,612/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$6,965
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,182
−HK$220/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,804/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$7,749
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,957
−HK$211/mo
Today · 4.125%
HK$8,168
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$430/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$8,126
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$257/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$525/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,272/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$9,040
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$246/mo
Today · 4.125%
HK$9,529
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$502/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,058/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$10,448
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$330/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,206/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$11,623
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$316/mo
Today · 4.125%
HK$12,251
baseline
▲ 0.50% · 4.625%
HK$12,897
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,502/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).