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$5,802
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,983
−HK$183/mo
Today · 4.125%
HK$6,166
baseline
▲ 0.50% · 4.625%
HK$6,541
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,332/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$6,455
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,628
−HK$176/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,162
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,608/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$6,963
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$220/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,798/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$7,746
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$211/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,595
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,328/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$8,123
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$256/mo
Today · 4.125%
HK$8,632
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$526/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,264/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,037
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,279
−HK$246/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,027
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,050/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,444
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$330/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,198/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$11,619
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$316/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$646/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,492/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).