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$5,757
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,936
−HK$182/mo
Today · 4.125%
HK$6,118
baseline
▲ 0.50% · 4.625%
HK$6,491
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,236/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$6,405
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$174/mo
Today · 4.125%
HK$6,751
baseline
▲ 0.50% · 4.625%
HK$7,107
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,502/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$6,909
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,124
−HK$218/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,789
+HK$447/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,684/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$7,686
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,892
−HK$209/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,528
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,202/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$8,060
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$255/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,132/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,967
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$243/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$9,950
+HK$499/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,902/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,363
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$327/mo
Today · 4.125%
HK$11,013
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$670/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,026/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,529
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$314/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,792
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$253K (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).