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$5,784
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$183/mo
Today · 4.125%
HK$6,147
baseline
▲ 0.50% · 4.625%
HK$6,521
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,294/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$6,435
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$176/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,566/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$6,941
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,157
−HK$219/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,752/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$7,722
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,929
−HK$210/mo
Today · 4.125%
HK$8,139
baseline
▲ 0.50% · 4.625%
HK$8,568
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,278/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$8,098
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$256/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$523/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,212/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$9,009
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$246/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$500/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,992/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$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$330/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,130/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$11,583
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$316/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,852
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,418/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).