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$5,791
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,971
−HK$183/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,528
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,308/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$6,442
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,615
−HK$175/mo
Today · 4.125%
HK$6,790
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,580/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$6,949
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,165
−HK$219/mo
Today · 4.125%
HK$7,384
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$450/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,768/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$7,730
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$210/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,296/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$8,107
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$256/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$524/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$17,230/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,019
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$245/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$501/mo
Deposit HK$762K · loan HK$1.78M · min. income ≈ HK$19,012/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,423
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$330/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$674/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,154/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$11,595
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$316/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,866
+HK$644/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,444/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).