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$5,814
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$184/mo
Today · 4.125%
HK$6,179
baseline
▲ 0.50% · 4.625%
HK$6,554
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,358/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$6,468
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,641
−HK$176/mo
Today · 4.125%
HK$6,817
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$360/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,634/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$6,977
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$220/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,828/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$7,762
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$211/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,362/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$8,140
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$257/mo
Today · 4.125%
HK$8,650
baseline
▲ 0.50% · 4.625%
HK$9,176
+HK$526/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$17,300/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,055
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$246/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$503/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$19,088/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,465
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,791
−HK$330/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$677/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,242/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$11,642
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$316/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$647/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,542/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).