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$5,805
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,986
−HK$184/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,545
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,340/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$6,459
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$175/mo
Today · 4.125%
HK$6,807
baseline
▲ 0.50% · 4.625%
HK$7,166
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,614/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$6,967
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,183
−HK$220/mo
Today · 4.125%
HK$7,403
baseline
▲ 0.50% · 4.625%
HK$7,854
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,806/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$7,750
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$211/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,338/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$8,128
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$257/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$526/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,274/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,042
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$246/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$503/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,060/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,450
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$330/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,210/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$11,625
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$316/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,506/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).