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$361/mo
▼ 0.25% · 3.875%
HK$5,943
−HK$182/mo
Today · 4.125%
HK$6,125
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,250/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$6,412
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$174/mo
Today · 4.125%
HK$6,758
baseline
▲ 0.50% · 4.625%
HK$7,115
+HK$357/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,516/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$6,916
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$219/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,700/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$7,694
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,901
−HK$209/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,220/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$8,069
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$255/mo
Today · 4.125%
HK$8,575
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,150/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$8,977
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$245/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$498/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,924/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$10,374
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$328/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,696
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,050/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$11,541
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$314/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,330/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).