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$5,766
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$183/mo
Today · 4.125%
HK$6,128
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,256/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$6,415
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$174/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,118
+HK$357/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,522/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$6,919
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$219/mo
Today · 4.125%
HK$7,353
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,706/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$7,698
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$209/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,226/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$8,072
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$256/mo
Today · 4.125%
HK$8,579
baseline
▲ 0.50% · 4.625%
HK$9,101
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,158/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,980
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$245/mo
Today · 4.125%
HK$9,466
baseline
▲ 0.50% · 4.625%
HK$9,965
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,932/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,379
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$328/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,060/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$11,546
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$314/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,340/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).