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$5,768
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$182/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,260/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$6,417
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$175/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,120
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,528/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$6,922
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,137
−HK$219/mo
Today · 4.125%
HK$7,356
baseline
▲ 0.50% · 4.625%
HK$7,803
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,712/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$7,700
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,907
−HK$209/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,544
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,232/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$8,075
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$255/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,164/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$8,984
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$244/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$9,968
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,938/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$10,383
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$328/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,068/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$11,550
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$315/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$641/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,350/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).