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$5,792
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$183/mo
Today · 4.125%
HK$6,155
baseline
▲ 0.50% · 4.625%
HK$6,530
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,310/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$6,444
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,616
−HK$176/mo
Today · 4.125%
HK$6,792
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,584/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$6,950
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$219/mo
Today · 4.125%
HK$7,386
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,772/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$7,732
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,940
−HK$210/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$430/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,300/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$8,109
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,361
−HK$256/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$525/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,234/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,021
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,263
−HK$245/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,010
+HK$502/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,016/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,426
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$329/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,158/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$11,598
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$316/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$644/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,450/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).