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$5,808
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,989
−HK$184/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,548
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,346/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$6,462
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,635
−HK$176/mo
Today · 4.125%
HK$6,811
baseline
▲ 0.50% · 4.625%
HK$7,170
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,622/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$6,970
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,187
−HK$220/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,814/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$7,754
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,962
−HK$211/mo
Today · 4.125%
HK$8,173
baseline
▲ 0.50% · 4.625%
HK$8,604
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,346/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$8,132
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,385
−HK$257/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,168
+HK$526/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,284/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,046
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$246/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$503/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,070/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,455
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$331/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$317/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$255K (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).