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$5,775
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,955
−HK$182/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,511
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,274/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$6,425
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$175/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,544/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$6,930
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,146
−HK$219/mo
Today · 4.125%
HK$7,365
baseline
▲ 0.50% · 4.625%
HK$7,813
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,730/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$7,710
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$209/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,252/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$8,085
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$255/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,115
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,184/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$8,995
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$245/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,962/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$10,396
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$328/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$673/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,094/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$11,565
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$315/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,380/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).