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$5,770
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,949
−HK$183/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$373/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,264/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$6,419
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,591
−HK$175/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$356/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,532/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$6,924
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,139
−HK$219/mo
Today · 4.125%
HK$7,358
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,716/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$7,702
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,909
−HK$210/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,238/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$8,078
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$255/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,168/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,986
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$245/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,944/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,385
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$329/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,074/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$11,554
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$314/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,356/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).