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$5,734
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$181/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,186/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$6,379
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$173/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,446/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$6,881
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$217/mo
Today · 4.125%
HK$7,312
baseline
▲ 0.50% · 4.625%
HK$7,757
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,624/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$7,655
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$208/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,136/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$8,027
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$254/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$519/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,062/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,930
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$243/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,909
+HK$496/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,826/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,321
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$326/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,635
+HK$667/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,936/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$11,482
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$312/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$638/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,204/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).