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$5,730
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,908
−HK$181/mo
Today · 4.125%
HK$6,089
baseline
▲ 0.50% · 4.625%
HK$6,460
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,178/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$6,374
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,545
−HK$174/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,438/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$6,876
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$217/mo
Today · 4.125%
HK$7,307
baseline
▲ 0.50% · 4.625%
HK$7,751
+HK$444/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,614/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$7,649
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$208/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,487
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,124/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$8,022
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,271
−HK$254/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$518/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,050/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,924
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$243/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,902
+HK$496/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,812/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,314
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$326/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$667/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,920/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$11,474
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$313/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,188/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).