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$5,746
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,925
−HK$182/mo
Today · 4.125%
HK$6,107
baseline
▲ 0.50% · 4.625%
HK$6,478
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,214/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$6,393
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$174/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,093
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,476/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$6,896
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,110
−HK$218/mo
Today · 4.125%
HK$7,328
baseline
▲ 0.50% · 4.625%
HK$7,774
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,656/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$7,671
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$209/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,512
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,172/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$8,045
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$254/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$521/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,098/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,950
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,190
−HK$244/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$497/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,868/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,344
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$327/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,984/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$11,507
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,258/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).