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$5,750
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,929
−HK$181/mo
Today · 4.125%
HK$6,110
baseline
▲ 0.50% · 4.625%
HK$6,482
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,220/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$6,397
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$174/mo
Today · 4.125%
HK$6,742
baseline
▲ 0.50% · 4.625%
HK$7,098
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,484/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$6,900
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$219/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,666/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$7,676
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$209/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,517
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,182/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$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$255/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$520/mo
Deposit HK$756K · loan HK$1.77M · min. income ≈ HK$17,110/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$8,955
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$243/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$498/mo
Deposit HK$756K · loan HK$1.77M · min. income ≈ HK$18,878/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$10,350
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$327/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,998/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$11,514
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$313/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,776
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,272/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).