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$5,774
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$183/mo
Today · 4.125%
HK$6,136
baseline
▲ 0.50% · 4.625%
HK$6,509
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,272/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$6,423
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$175/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,127
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,540/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$6,928
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$219/mo
Today · 4.125%
HK$7,363
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,726/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$7,708
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$210/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,248/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$8,083
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$256/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,180/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$8,992
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$245/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,956/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$10,392
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,716
−HK$328/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,088/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$11,561
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$314/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,372/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).