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$5,751
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,930
−HK$182/mo
Today · 4.125%
HK$6,112
baseline
▲ 0.50% · 4.625%
HK$6,484
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,224/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$6,398
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$174/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,488/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$6,902
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,116
−HK$218/mo
Today · 4.125%
HK$7,334
baseline
▲ 0.50% · 4.625%
HK$7,781
+HK$447/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,668/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$7,678
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$209/mo
Today · 4.125%
HK$8,093
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,186/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$8,052
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$255/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,114/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$8,958
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$244/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$497/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,884/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$10,352
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$328/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,004/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$11,517
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$313/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,278/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).