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$5,786
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$182/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,296/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$6,437
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,609
−HK$175/mo
Today · 4.125%
HK$6,784
baseline
▲ 0.50% · 4.625%
HK$7,142
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,568/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$6,943
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,159
−HK$219/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,756/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$7,724
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$210/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,570
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,282/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$8,100
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$256/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,216/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,011
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$245/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,996/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,414
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$329/mo
Today · 4.125%
HK$11,067
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$674/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,134/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$11,586
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$316/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,855
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,424/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).