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$5,755
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$181/mo
Today · 4.125%
HK$6,116
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,232/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$6,403
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$174/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,498/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$6,907
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$219/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,786
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,680/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$7,684
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$209/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,526
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,198/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$8,058
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$255/mo
Today · 4.125%
HK$8,563
baseline
▲ 0.50% · 4.625%
HK$9,084
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,126/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$8,964
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$243/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,896/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$10,360
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$328/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,020/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$11,525
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$314/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,296/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).