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$5,788
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,968
−HK$183/mo
Today · 4.125%
HK$6,151
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,302/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$6,439
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,612
−HK$175/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,145
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,574/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$6,946
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,162
−HK$219/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,830
+HK$449/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,762/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$7,727
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$210/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$430/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,288/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$8,103
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$256/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,222/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$9,015
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$246/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,003
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$19,004/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$10,418
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$330/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,144/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$11,590
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$316/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,434/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).