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$5,788
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,968
−HK$183/mo
Today · 4.125%
HK$6,151
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,302/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$6,439
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,611
−HK$176/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,574/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$6,945
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,161
−HK$220/mo
Today · 4.125%
HK$7,381
baseline
▲ 0.50% · 4.625%
HK$7,830
+HK$449/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$14,762/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$7,726
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,934
−HK$210/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,573
+HK$429/mo
Deposit HK$1.02M · loan HK$1.52M · min. income ≈ HK$16,288/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$8,103
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$256/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,222/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$9,014
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$245/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$501/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$19,002/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$10,418
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$329/mo
Today · 4.125%
HK$11,071
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$674/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,142/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$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$316/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,432/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).