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$5,793
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$183/mo
Today · 4.125%
HK$6,156
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,312/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$6,445
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$175/mo
Today · 4.125%
HK$6,793
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,586/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$6,952
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$220/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$449/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,776/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$7,734
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$211/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,304/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$8,110
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$256/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$524/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,238/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$9,023
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$245/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,020/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$10,428
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$329/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,162/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$11,601
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,912
−HK$315/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,454/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).