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$5,786
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$183/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,298/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$6,437
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$176/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,570/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$6,943
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,159
−HK$220/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,758/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$7,724
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$210/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$430/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,282/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$8,100
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$256/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,216/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$9,012
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$245/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,996/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$10,415
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$329/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,136/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$11,586
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,897
−HK$315/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,856
+HK$644/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,424/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).