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$5,753
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$182/mo
Today · 4.125%
HK$6,114
baseline
▲ 0.50% · 4.625%
HK$6,486
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,228/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$6,400
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$174/mo
Today · 4.125%
HK$6,746
baseline
▲ 0.50% · 4.625%
HK$7,102
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,492/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$6,904
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$218/mo
Today · 4.125%
HK$7,337
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,674/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$7,681
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$209/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,190/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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$255/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$520/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,120/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$8,961
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$244/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,890/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$10,356
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$327/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$670/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,010/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$11,521
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$313/mo
Today · 4.125%
HK$12,143
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,286/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).