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$5,800
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,981
−HK$183/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,328/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$6,453
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,626
−HK$175/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,602/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$6,960
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,177
−HK$220/mo
Today · 4.125%
HK$7,397
baseline
▲ 0.50% · 4.625%
HK$7,847
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,794/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$7,743
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,951
−HK$211/mo
Today · 4.125%
HK$8,162
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,324/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$8,120
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,373
−HK$257/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,260/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,034
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$246/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,044/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,440
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$330/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,770
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,190/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$11,615
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$316/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$646/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,484/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).