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$5,759
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,938
−HK$182/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,492
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,240/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$6,406
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$174/mo
Today · 4.125%
HK$6,752
baseline
▲ 0.50% · 4.625%
HK$7,108
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,504/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$6,910
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,125
−HK$219/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,790
+HK$446/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,688/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$7,688
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,894
−HK$209/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,206/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$8,062
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,313
−HK$255/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$521/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,136/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,969
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$244/mo
Today · 4.125%
HK$9,453
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,906/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,365
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$327/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,030/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$11,531
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$313/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,308/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).