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$5,725
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,903
−HK$181/mo
Today · 4.125%
HK$6,084
baseline
▲ 0.50% · 4.625%
HK$6,454
+HK$370/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,168/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$6,369
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$173/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,426/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$6,870
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,084
−HK$217/mo
Today · 4.125%
HK$7,301
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,602/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,643
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$208/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,112/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,015
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$253/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$9,036
+HK$519/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,034/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,916
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$242/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$496/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,796/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,305
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$326/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,902/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,464
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$312/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,166/mo (50% DSR)
Upfront cash ≈ HK$251K (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).