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$5,797
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,977
−HK$183/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,535
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,320/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$6,449
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,622
−HK$175/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,594/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$6,956
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$220/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,784/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$7,739
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,946
−HK$211/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,314/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$8,115
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$256/mo
Today · 4.125%
HK$8,624
baseline
▲ 0.50% · 4.625%
HK$9,149
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,248/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,028
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$246/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,032/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,434
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,759
−HK$329/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,763
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,176/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$11,608
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$316/mo
Today · 4.125%
HK$12,235
baseline
▲ 0.50% · 4.625%
HK$12,880
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,470/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).