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$5,744
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,923
−HK$182/mo
Today · 4.125%
HK$6,105
baseline
▲ 0.50% · 4.625%
HK$6,476
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,210/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$6,391
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,562
−HK$174/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,091
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,472/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$6,893
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$217/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,650/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$7,669
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,874
−HK$209/mo
Today · 4.125%
HK$8,083
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,166/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$8,042
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,292
−HK$254/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$9,066
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,092/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,947
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,187
−HK$243/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$497/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,860/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,340
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$327/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,657
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,976/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$11,503
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$313/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,248/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).