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$5,812
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$184/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,552
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,354/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$6,466
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,639
−HK$176/mo
Today · 4.125%
HK$6,815
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$360/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,630/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$6,975
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,192
−HK$220/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,863
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,824/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$7,759
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,967
−HK$211/mo
Today · 4.125%
HK$8,178
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,356/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$8,137
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$257/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$526/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$17,294/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$9,052
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$246/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$503/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$19,082/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$10,462
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$331/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,236/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$11,639
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$317/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,536/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).