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$5,741
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,920
−HK$181/mo
Today · 4.125%
HK$6,101
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,202/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$6,387
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$174/mo
Today · 4.125%
HK$6,732
baseline
▲ 0.50% · 4.625%
HK$7,087
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,464/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$6,889
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$217/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,767
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,642/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$7,664
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,870
−HK$208/mo
Today · 4.125%
HK$8,078
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,156/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$8,037
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$255/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,084/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$8,942
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$244/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,850/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$10,334
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,655
−HK$327/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$668/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,964/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$11,496
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$312/mo
Today · 4.125%
HK$12,117
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,234/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).