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$5,763
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,942
−HK$182/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,497
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,248/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$6,411
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$175/mo
Today · 4.125%
HK$6,758
baseline
▲ 0.50% · 4.625%
HK$7,114
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,516/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$6,916
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$218/mo
Today · 4.125%
HK$7,349
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,698/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$7,694
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$209/mo
Today · 4.125%
HK$8,109
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,218/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$8,068
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$255/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,096
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,148/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,976
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$244/mo
Today · 4.125%
HK$9,461
baseline
▲ 0.50% · 4.625%
HK$9,959
+HK$498/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,922/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,373
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$328/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,540
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$314/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,328/mo (50% DSR)
Upfront cash ≈ HK$253K (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).