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$5,739
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,918
−HK$181/mo
Today · 4.125%
HK$6,099
baseline
▲ 0.50% · 4.625%
HK$6,470
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,198/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$6,385
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,556
−HK$174/mo
Today · 4.125%
HK$6,730
baseline
▲ 0.50% · 4.625%
HK$7,084
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,460/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$6,887
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$218/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,638/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$7,662
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,867
−HK$209/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,152/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$8,035
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$254/mo
Today · 4.125%
HK$8,539
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,078/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,939
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$243/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,918
+HK$497/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,842/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$326/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$668/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,956/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$11,492
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$312/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,226/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).