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$5,776
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$182/mo
Today · 4.125%
HK$6,138
baseline
▲ 0.50% · 4.625%
HK$6,512
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,276/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$6,426
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$175/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,546/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$6,931
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,147
−HK$219/mo
Today · 4.125%
HK$7,366
baseline
▲ 0.50% · 4.625%
HK$7,814
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,732/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$7,711
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,918
−HK$209/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,556
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,254/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$8,086
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$255/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,186/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,996
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$245/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,964/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,397
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$329/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,098/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$11,566
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$315/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,382/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).