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$5,773
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,953
−HK$182/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,509
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,270/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$6,423
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$175/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$356/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,540/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$6,928
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$219/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,724/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$7,707
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$210/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,248/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$8,083
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$255/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$523/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$17,178/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$8,992
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$245/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$499/mo
Deposit HK$760K · loan HK$1.77M · min. income ≈ HK$18,956/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$10,392
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$328/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,715
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,086/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$11,561
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,871
−HK$314/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$643/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,370/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).