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$5,749
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,928
−HK$182/mo
Today · 4.125%
HK$6,110
baseline
▲ 0.50% · 4.625%
HK$6,482
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,220/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$6,396
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$174/mo
Today · 4.125%
HK$6,742
baseline
▲ 0.50% · 4.625%
HK$7,097
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,484/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$6,899
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$218/mo
Today · 4.125%
HK$7,332
baseline
▲ 0.50% · 4.625%
HK$7,778
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,664/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$7,675
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$209/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,180/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$8,049
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$254/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,108/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$8,955
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$243/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$498/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,876/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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$327/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,996/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$11,513
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$313/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,270/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).