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$5,794
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,975
−HK$183/mo
Today · 4.125%
HK$6,158
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,316/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$6,446
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,619
−HK$175/mo
Today · 4.125%
HK$6,794
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,588/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$6,953
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,169
−HK$220/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,778/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,735
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$210/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$430/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,306/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,112
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$257/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,145
+HK$524/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,242/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,025
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$245/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,024/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,430
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$330/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,168/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$11,603
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$316/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$644/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,460/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).