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$5,743
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$181/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,475
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,206/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$6,389
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$173/mo
Today · 4.125%
HK$6,734
baseline
▲ 0.50% · 4.625%
HK$7,089
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,468/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$6,892
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,106
−HK$218/mo
Today · 4.125%
HK$7,324
baseline
▲ 0.50% · 4.625%
HK$7,770
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,648/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$7,667
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,873
−HK$208/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,507
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,162/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$8,040
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$254/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,090/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$8,945
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$243/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$497/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,856/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$10,338
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$327/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$668/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,972/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$11,501
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$313/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,244/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).