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$5,770
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$182/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,264/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$6,419
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$174/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,532/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$6,924
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$219/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,718/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$7,703
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$209/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,238/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$8,078
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$255/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,170/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,987
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$245/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,946/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,387
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$328/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,076/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$11,555
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$314/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,358/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).