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$5,781
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,961
−HK$183/mo
Today · 4.125%
HK$6,144
baseline
▲ 0.50% · 4.625%
HK$6,518
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,288/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$6,432
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,604
−HK$175/mo
Today · 4.125%
HK$6,779
baseline
▲ 0.50% · 4.625%
HK$7,136
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,558/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$6,938
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,153
−HK$220/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,746/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,718
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,925
−HK$210/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,564
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,270/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,094
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$255/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$524/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$17,202/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,004
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$245/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$500/mo
Deposit HK$761K · loan HK$1.77M · min. income ≈ HK$18,982/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$329/mo
Today · 4.125%
HK$11,059
baseline
▲ 0.50% · 4.625%
HK$11,732
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,118/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$11,577
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$315/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$644/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,404/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).