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$5,800
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$183/mo
Today · 4.125%
HK$6,163
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$375/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,326/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$6,452
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$176/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,602/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$6,959
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,176
−HK$220/mo
Today · 4.125%
HK$7,396
baseline
▲ 0.50% · 4.625%
HK$7,846
+HK$450/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,792/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$7,742
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$211/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,322/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$8,119
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$257/mo
Today · 4.125%
HK$8,629
baseline
▲ 0.50% · 4.625%
HK$9,154
+HK$525/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$17,258/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$9,033
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$246/mo
Today · 4.125%
HK$9,521
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$502/mo
Deposit HK$763K · loan HK$1.78M · min. income ≈ HK$19,042/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$10,439
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$330/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$675/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,188/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$11,614
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$316/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$645/mo
Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$24,482/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).