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$5,809
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$184/mo
Today · 4.125%
HK$6,174
baseline
▲ 0.50% · 4.625%
HK$6,549
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,348/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$6,463
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,636
−HK$176/mo
Today · 4.125%
HK$6,812
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,624/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$6,971
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$220/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,859
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,816/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$7,755
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$211/mo
Today · 4.125%
HK$8,174
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,348/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$8,133
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$257/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$526/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,286/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,048
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$246/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$502/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,074/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,457
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$330/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,789
+HK$677/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,224/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$11,633
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$317/mo
Today · 4.125%
HK$12,262
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,524/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).