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$5,764
−HK$362/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$346/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$174/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,115
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,518/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$6,917
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,132
−HK$219/mo
Today · 4.125%
HK$7,351
baseline
▲ 0.50% · 4.625%
HK$7,798
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,702/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$7,695
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$209/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,222/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$8,070
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$255/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,152/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$8,978
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$244/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,926/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$10,376
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$327/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,052/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$11,543
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$314/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$641/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,334/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).