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$360/mo
▼ 0.25% · 3.875%
HK$5,934
−HK$181/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,487
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,230/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$6,402
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,574
−HK$174/mo
Today · 4.125%
HK$6,748
baseline
▲ 0.50% · 4.625%
HK$7,103
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,496/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$6,905
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,120
−HK$218/mo
Today · 4.125%
HK$7,338
baseline
▲ 0.50% · 4.625%
HK$7,785
+HK$447/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,676/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$7,682
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$209/mo
Today · 4.125%
HK$8,097
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,194/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$8,056
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,307
−HK$255/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$520/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,124/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$8,963
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$244/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$9,945
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,894/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$10,358
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$328/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,016/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$11,523
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$314/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,292/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).