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$5,796
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$184/mo
Today · 4.125%
HK$6,160
baseline
▲ 0.50% · 4.625%
HK$6,534
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,320/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$6,448
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,621
−HK$176/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,594/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$6,955
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$220/mo
Today · 4.125%
HK$7,392
baseline
▲ 0.50% · 4.625%
HK$7,841
+HK$449/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,784/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$7,738
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$211/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,586
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,312/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$8,115
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$256/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$246/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,030/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$10,433
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$329/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,174/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$11,607
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$316/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,468/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).