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$5,736
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,915
−HK$181/mo
Today · 4.125%
HK$6,096
baseline
▲ 0.50% · 4.625%
HK$6,467
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,192/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$6,382
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,553
−HK$173/mo
Today · 4.125%
HK$6,726
baseline
▲ 0.50% · 4.625%
HK$7,081
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,452/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$6,883
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$217/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,630/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$7,658
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$209/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,497
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,144/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$8,031
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$253/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$520/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,068/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,934
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$243/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,834/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,325
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$327/mo
Today · 4.125%
HK$10,973
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$667/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$21,946/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$11,487
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,795
−HK$312/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$639/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$24,214/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).