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$5,787
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,967
−HK$183/mo
Today · 4.125%
HK$6,150
baseline
▲ 0.50% · 4.625%
HK$6,524
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,300/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$6,438
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$175/mo
Today · 4.125%
HK$6,786
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,572/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$6,945
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$219/mo
Today · 4.125%
HK$7,380
baseline
▲ 0.50% · 4.625%
HK$7,829
+HK$449/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,760/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$7,726
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$210/mo
Today · 4.125%
HK$8,143
baseline
▲ 0.50% · 4.625%
HK$8,572
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,286/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$8,102
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$256/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,220/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$9,013
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$245/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$19,000/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$10,417
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,741
−HK$329/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$674/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,140/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$11,589
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$315/mo
Today · 4.125%
HK$12,215
baseline
▲ 0.50% · 4.625%
HK$12,859
+HK$644/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,430/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).