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$5,762
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,942
−HK$182/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,496
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,248/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$6,411
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$174/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,113
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,514/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$6,915
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,130
−HK$219/mo
Today · 4.125%
HK$7,349
baseline
▲ 0.50% · 4.625%
HK$7,796
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,698/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$7,693
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$209/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,536
+HK$428/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,216/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$8,067
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,318
−HK$255/mo
Today · 4.125%
HK$8,573
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,146/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$8,975
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$244/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$9,959
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,920/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$10,372
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$328/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,046/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$11,539
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$314/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,326/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).