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$5,790
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,970
−HK$183/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,306/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$6,441
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,614
−HK$175/mo
Today · 4.125%
HK$6,789
baseline
▲ 0.50% · 4.625%
HK$7,147
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,578/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$6,948
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$219/mo
Today · 4.125%
HK$7,383
baseline
▲ 0.50% · 4.625%
HK$7,833
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,766/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$7,729
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,937
−HK$210/mo
Today · 4.125%
HK$8,147
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,294/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$8,106
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$256/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$524/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,228/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$9,018
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$246/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,010/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$10,422
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$329/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,749
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,150/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$11,594
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$315/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,440/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).