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$5,814
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$184/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$376/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,358/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,468
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,642
−HK$176/mo
Today · 4.125%
HK$6,818
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,636/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,977
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$221/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,830/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$7,762
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$211/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$432/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,362/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$8,140
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$257/mo
Today · 4.125%
HK$8,650
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$527/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$17,300/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,056
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$247/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,048
+HK$503/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$19,090/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,466
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,791
−HK$331/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$677/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,244/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$11,643
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$317/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$647/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,544/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).