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$5,775
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,954
−HK$183/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,274/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$6,424
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$174/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,542/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$6,930
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$219/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,728/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$7,709
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$210/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,554
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,252/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$8,085
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,336
−HK$256/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,114
+HK$522/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,184/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,994
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,235
−HK$245/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,960/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,394
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$328/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,092/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,564
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$314/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$253K (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).