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$5,735
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,914
−HK$181/mo
Today · 4.125%
HK$6,095
baseline
▲ 0.50% · 4.625%
HK$6,466
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,190/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$6,380
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$173/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,080
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,450/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$6,882
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$218/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,628/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$7,657
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$208/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,140/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$8,029
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$254/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,066/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,933
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$243/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$497/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,830/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,324
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$326/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$667/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$21,942/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$11,485
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$312/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$638/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$24,210/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).