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$5,779
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,959
−HK$183/mo
Today · 4.125%
HK$6,142
baseline
▲ 0.50% · 4.625%
HK$6,515
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,284/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$6,429
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$175/mo
Today · 4.125%
HK$6,777
baseline
▲ 0.50% · 4.625%
HK$7,134
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,554/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$6,935
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,151
−HK$219/mo
Today · 4.125%
HK$7,370
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,740/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$7,715
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$210/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,561
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,264/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$8,091
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$256/mo
Today · 4.125%
HK$8,598
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,196/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$9,001
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$245/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,974/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$10,402
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$329/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,727
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,110/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$11,573
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$315/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,841
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,396/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).