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$5,778
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,958
−HK$182/mo
Today · 4.125%
HK$6,140
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,280/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$6,428
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,600
−HK$175/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,550/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$6,934
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,149
−HK$219/mo
Today · 4.125%
HK$7,368
baseline
▲ 0.50% · 4.625%
HK$7,817
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,736/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$7,714
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,920
−HK$210/mo
Today · 4.125%
HK$8,130
baseline
▲ 0.50% · 4.625%
HK$8,559
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,260/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$8,089
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,341
−HK$256/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,194/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$8,999
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$244/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$500/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,970/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$10,400
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$329/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,725
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,106/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$11,570
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$315/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,392/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).