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$5,791
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,971
−HK$183/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,308/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$6,443
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,615
−HK$176/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,149
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,582/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$435/mo
▼ 0.25% · 3.875%
HK$7,166
−HK$219/mo
Today · 4.125%
HK$7,385
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,770/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$7,731
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$210/mo
Today · 4.125%
HK$8,149
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,298/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$8,108
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$256/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$524/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,232/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$9,020
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$245/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,014/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$10,424
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$329/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,752
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,156/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$11,597
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$315/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,446/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).