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$5,785
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,965
−HK$182/mo
Today · 4.125%
HK$6,147
baseline
▲ 0.50% · 4.625%
HK$6,522
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,294/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$6,435
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,608
−HK$175/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,141
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,566/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$6,942
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$219/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,826
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,754/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$7,723
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$210/mo
Today · 4.125%
HK$8,140
baseline
▲ 0.50% · 4.625%
HK$8,569
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,280/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$8,099
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$255/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,212/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$9,010
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$245/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,992/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$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$329/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,739
+HK$674/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,130/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$11,584
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$316/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,420/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).