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$363/mo
▼ 0.25% · 3.875%
HK$5,960
−HK$183/mo
Today · 4.125%
HK$6,143
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,286/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$6,431
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$175/mo
Today · 4.125%
HK$6,778
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,556/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$7,820
+HK$449/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$7,717
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$210/mo
Today · 4.125%
HK$8,134
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,268/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$508/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$256/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$245/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,978/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$10,405
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$329/mo
Today · 4.125%
HK$11,057
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$673/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,114/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$11,575
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$315/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,400/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).