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$5,771
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,951
−HK$182/mo
Today · 4.125%
HK$6,133
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,266/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$6,420
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$175/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,534/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$6,925
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,141
−HK$219/mo
Today · 4.125%
HK$7,360
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,720/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$7,704
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$210/mo
Today · 4.125%
HK$8,121
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,242/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$8,079
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$255/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$523/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,172/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,988
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$245/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,948/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,388
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$328/mo
Today · 4.125%
HK$11,039
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,078/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$11,556
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,866
−HK$315/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,362/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).