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$5,745
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$182/mo
Today · 4.125%
HK$6,106
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,212/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$6,392
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$174/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,092
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,474/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$6,894
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$218/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,654/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$7,670
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$208/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,168/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$8,044
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$254/mo
Today · 4.125%
HK$8,548
baseline
▲ 0.50% · 4.625%
HK$9,068
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,096/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$8,948
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$244/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$497/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,864/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$10,342
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$327/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,980/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$11,505
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$313/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,254/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).