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$5,796
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$183/mo
Today · 4.125%
HK$6,159
baseline
▲ 0.50% · 4.625%
HK$6,534
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,318/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$6,448
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,621
−HK$175/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,592/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$6,955
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$220/mo
Today · 4.125%
HK$7,391
baseline
▲ 0.50% · 4.625%
HK$7,841
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,782/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$7,737
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,945
−HK$210/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,310/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$8,114
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$257/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$246/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$501/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,030/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$10,432
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$330/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,174/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$11,606
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$316/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,466/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).