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$5,811
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,992
−HK$183/mo
Today · 4.125%
HK$6,175
baseline
▲ 0.50% · 4.625%
HK$6,551
+HK$376/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,350/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$6,465
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,638
−HK$176/mo
Today · 4.125%
HK$6,814
baseline
▲ 0.50% · 4.625%
HK$7,173
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,628/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$6,973
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$220/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,861
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,820/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$7,758
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,966
−HK$211/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,608
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,354/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$8,135
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$257/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$527/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$17,290/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,050
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$246/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,042
+HK$503/mo
Deposit HK$765K · loan HK$1.78M · min. income ≈ HK$19,078/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$331/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$317/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$647/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$255K (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).