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$5,768
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,947
−HK$182/mo
Today · 4.125%
HK$6,129
baseline
▲ 0.50% · 4.625%
HK$6,502
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,258/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$6,416
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,588
−HK$175/mo
Today · 4.125%
HK$6,763
baseline
▲ 0.50% · 4.625%
HK$7,119
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,526/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$6,921
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$219/mo
Today · 4.125%
HK$7,355
baseline
▲ 0.50% · 4.625%
HK$7,803
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,710/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$7,700
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,906
−HK$210/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,232/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$8,075
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$255/mo
Today · 4.125%
HK$8,581
baseline
▲ 0.50% · 4.625%
HK$9,103
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,162/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,983
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,224
−HK$244/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$9,967
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,936/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,382
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$328/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,704
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,066/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$11,549
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,859
−HK$314/mo
Today · 4.125%
HK$12,173
baseline
▲ 0.50% · 4.625%
HK$12,815
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,346/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).