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$5,765
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$182/mo
Today · 4.125%
HK$6,126
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,252/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$6,413
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$175/mo
Today · 4.125%
HK$6,760
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,520/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$6,918
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$219/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,704/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$7,696
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$210/mo
Today · 4.125%
HK$8,112
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,224/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$8,071
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$255/mo
Today · 4.125%
HK$8,577
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,154/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,979
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$245/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,928/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,377
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$328/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,054/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$11,544
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,854
−HK$314/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$641/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,336/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).