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$5,769
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$182/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,260/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$6,418
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$174/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$357/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,528/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$6,922
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,138
−HK$219/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,714/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$7,701
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$209/mo
Today · 4.125%
HK$8,117
baseline
▲ 0.50% · 4.625%
HK$8,545
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,234/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$8,076
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$256/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,105
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,166/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,985
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$244/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,940/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,384
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$328/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,552
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$314/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$253K (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).