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$5,798
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$184/mo
Today · 4.125%
HK$6,162
baseline
▲ 0.50% · 4.625%
HK$6,537
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,324/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$6,450
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,623
−HK$176/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,598/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$6,958
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,174
−HK$220/mo
Today · 4.125%
HK$7,394
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,788/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$7,740
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,948
−HK$211/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,589
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,318/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$8,117
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$256/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,151
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,252/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$9,030
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$245/mo
Today · 4.125%
HK$9,518
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,036/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$10,437
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$330/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,182/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$11,611
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,922
−HK$316/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,476/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).