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$5,748
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,927
−HK$182/mo
Today · 4.125%
HK$6,109
baseline
▲ 0.50% · 4.625%
HK$6,480
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,218/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,395
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,566
−HK$174/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,096
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,480/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,898
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$218/mo
Today · 4.125%
HK$7,330
baseline
▲ 0.50% · 4.625%
HK$7,776
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,660/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$7,674
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$208/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,176/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$8,047
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$254/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,104/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,953
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,193
−HK$243/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$498/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,872/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,347
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$327/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,992/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,511
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$313/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,264/mo (50% DSR)
Upfront cash ≈ HK$252K (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).