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$5,780
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,960
−HK$182/mo
Today · 4.125%
HK$6,142
baseline
▲ 0.50% · 4.625%
HK$6,516
+HK$374/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$6,430
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$175/mo
Today · 4.125%
HK$6,777
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$358/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$6,936
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,152
−HK$219/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,819
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,742/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$7,716
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,923
−HK$210/mo
Today · 4.125%
HK$8,133
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,266/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$8,092
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$256/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,198/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$9,002
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$245/mo
Today · 4.125%
HK$9,488
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$501/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,976/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$10,404
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$329/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$673/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,112/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$11,574
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$315/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,398/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).