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$363/mo
▼ 0.25% · 3.875%
HK$5,974
−HK$183/mo
Today · 4.125%
HK$6,157
baseline
▲ 0.50% · 4.625%
HK$6,532
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,314/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$7,838
+HK$449/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$7,942
−HK$211/mo
Today · 4.125%
HK$8,153
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$429/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$508/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$256/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,145
+HK$525/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,240/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$9,024
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,266
−HK$246/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$10,429
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$329/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,166/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$11,602
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$316/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,458/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).