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$5,735
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$181/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,465
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,188/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$6,380
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,551
−HK$174/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,079
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,450/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$6,882
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$217/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,758
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,626/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$7,656
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$209/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,140/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$8,029
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$254/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$519/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,064/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$8,932
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$243/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$497/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,828/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$10,323
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$326/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$667/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,940/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$11,484
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$312/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$638/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,208/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).