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$5,793
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$183/mo
Today · 4.125%
HK$6,156
baseline
▲ 0.50% · 4.625%
HK$6,530
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,312/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$6,444
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,617
−HK$175/mo
Today · 4.125%
HK$6,792
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,584/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$6,951
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$220/mo
Today · 4.125%
HK$7,387
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,774/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$7,733
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$210/mo
Today · 4.125%
HK$8,151
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$430/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,302/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$8,110
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$256/mo
Today · 4.125%
HK$8,618
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$525/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,236/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$9,022
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$245/mo
Today · 4.125%
HK$9,509
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$502/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,018/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$10,427
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$330/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,162/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$11,600
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$315/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,452/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).