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$5,753
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,932
−HK$181/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,485
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,226/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$6,400
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$174/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,101
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,490/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$6,903
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,118
−HK$218/mo
Today · 4.125%
HK$7,336
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,672/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$7,680
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$209/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,521
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,190/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$8,054
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$255/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$520/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,118/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,960
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$244/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$497/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,888/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,355
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$327/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$670/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,008/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$11,519
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$314/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,284/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).