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$5,807
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,988
−HK$184/mo
Today · 4.125%
HK$6,172
baseline
▲ 0.50% · 4.625%
HK$6,547
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,344/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$6,461
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,634
−HK$176/mo
Today · 4.125%
HK$6,810
baseline
▲ 0.50% · 4.625%
HK$7,169
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,620/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$6,969
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,186
−HK$220/mo
Today · 4.125%
HK$7,406
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,812/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$7,753
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,961
−HK$211/mo
Today · 4.125%
HK$8,172
baseline
▲ 0.50% · 4.625%
HK$8,602
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,344/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$8,130
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$257/mo
Today · 4.125%
HK$8,640
baseline
▲ 0.50% · 4.625%
HK$9,166
+HK$526/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,280/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$9,045
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,288
−HK$246/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,036
+HK$502/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,068/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$10,453
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$330/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,218/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$11,629
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$317/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,516/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).