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$363/mo
▼ 0.25% · 3.875%
HK$5,966
−HK$183/mo
Today · 4.125%
HK$6,149
baseline
▲ 0.50% · 4.625%
HK$6,523
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,298/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$348/mo
▼ 0.25% · 3.875%
HK$6,610
−HK$175/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,570/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$6,944
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,160
−HK$219/mo
Today · 4.125%
HK$7,379
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$449/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,758/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$7,725
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,932
−HK$210/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,284/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$8,101
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$256/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,133
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,218/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$9,012
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$245/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,998/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$10,415
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$330/mo
Today · 4.125%
HK$11,069
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,138/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$11,587
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$315/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$644/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,426/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).