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$5,777
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,956
−HK$183/mo
Today · 4.125%
HK$6,139
baseline
▲ 0.50% · 4.625%
HK$6,513
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,278/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$6,427
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$175/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,131
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,548/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$6,932
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,148
−HK$219/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,734/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$7,712
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$210/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,557
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,258/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$8,087
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,339
−HK$256/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,118
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,190/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,997
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$245/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,966/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,398
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$328/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$673/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,100/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$315/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,386/mo (50% DSR)
Upfront cash ≈ HK$253K (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).