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$5,779
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$183/mo
Today · 4.125%
HK$6,141
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,282/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$6,429
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,601
−HK$175/mo
Today · 4.125%
HK$6,776
baseline
▲ 0.50% · 4.625%
HK$7,133
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,552/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$6,934
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$219/mo
Today · 4.125%
HK$7,369
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,738/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$7,714
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,921
−HK$210/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,262/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$8,090
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$255/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,194/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$9,000
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$245/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,972/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$10,401
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$329/mo
Today · 4.125%
HK$11,054
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,108/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$11,572
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$315/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,394/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).