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$5,781
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,960
−HK$183/mo
Today · 4.125%
HK$6,143
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,286/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$6,431
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$175/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,136
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,556/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$6,937
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$219/mo
Today · 4.125%
HK$7,372
baseline
▲ 0.50% · 4.625%
HK$7,820
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,744/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,717
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$210/mo
Today · 4.125%
HK$8,134
baseline
▲ 0.50% · 4.625%
HK$8,563
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,268/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,093
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$255/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$524/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$245/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$500/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$18,980/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$10,405
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$329/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$672/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,116/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$11,576
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$315/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,844
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,402/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).