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$5,801
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$183/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,540
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,330/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$6,454
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$175/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,604/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$6,961
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,178
−HK$220/mo
Today · 4.125%
HK$7,398
baseline
▲ 0.50% · 4.625%
HK$7,848
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,796/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$7,744
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,952
−HK$211/mo
Today · 4.125%
HK$8,163
baseline
▲ 0.50% · 4.625%
HK$8,593
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,326/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$8,122
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$257/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,262/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,035
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$246/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,046/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,442
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$330/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,194/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,617
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$316/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$646/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$255K (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).