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$5,756
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$182/mo
Today · 4.125%
HK$6,117
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,234/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$6,404
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,576
−HK$174/mo
Today · 4.125%
HK$6,750
baseline
▲ 0.50% · 4.625%
HK$7,106
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,500/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$6,908
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$219/mo
Today · 4.125%
HK$7,341
baseline
▲ 0.50% · 4.625%
HK$7,787
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,682/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$7,685
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$209/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,200/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$8,059
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$255/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,128/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,965
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,206
−HK$244/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,900/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,361
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$327/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,681
+HK$670/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,022/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$11,527
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$314/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,300/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).