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$5,774
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$182/mo
Today · 4.125%
HK$6,136
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,272/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$6,424
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$175/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,542/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$6,929
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,144
−HK$219/mo
Today · 4.125%
HK$7,363
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,726/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$7,708
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,915
−HK$210/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,250/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$8,084
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$256/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$522/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,182/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$8,993
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$245/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$9,979
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,958/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$10,393
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$328/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,090/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$11,562
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$314/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,374/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).