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$5,742
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,921
−HK$181/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,474
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,204/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$6,388
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$173/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,088
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,466/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$6,891
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$218/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,769
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,646/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$7,666
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$208/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,160/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$8,039
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$254/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$520/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,086/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,944
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$244/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$497/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,854/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,336
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$326/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,968/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$11,499
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$313/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,240/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).