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$5,724
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,902
−HK$181/mo
Today · 4.125%
HK$6,083
baseline
▲ 0.50% · 4.625%
HK$6,453
+HK$370/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,166/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$6,368
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$174/mo
Today · 4.125%
HK$6,712
baseline
▲ 0.50% · 4.625%
HK$7,065
+HK$353/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,424/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$6,868
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,082
−HK$217/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,743
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,598/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,641
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$208/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,108/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,013
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$254/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$9,034
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,032/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,915
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$242/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$495/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,792/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,303
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$326/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,615
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$312/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$251K (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).