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$5,795
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$183/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,318/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$6,447
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,620
−HK$176/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,592/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$6,954
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$219/mo
Today · 4.125%
HK$7,390
baseline
▲ 0.50% · 4.625%
HK$7,840
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,780/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$7,737
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,944
−HK$211/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,310/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$8,113
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$256/mo
Today · 4.125%
HK$8,622
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$525/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,244/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$9,026
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$246/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,015
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,028/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$10,432
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$330/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,172/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$11,605
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$316/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,464/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).