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$5,762
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,941
−HK$182/mo
Today · 4.125%
HK$6,123
baseline
▲ 0.50% · 4.625%
HK$6,495
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,246/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$6,410
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,582
−HK$174/mo
Today · 4.125%
HK$6,756
baseline
▲ 0.50% · 4.625%
HK$7,112
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,512/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$6,914
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$218/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,694/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$7,692
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$209/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,214/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$8,066
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$255/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,094
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,144/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$8,974
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,916/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$10,371
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$328/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,042/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$11,537
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$314/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,322/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).