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$5,740
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,918
−HK$182/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,471
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,200/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$6,386
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$174/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,085
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,462/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$6,888
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$218/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,765
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,640/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$7,663
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,868
−HK$209/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,502
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,154/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$8,036
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,286
−HK$254/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,080/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,940
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$243/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$497/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,846/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,332
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,653
−HK$327/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,648
+HK$668/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,960/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$11,494
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$313/mo
Today · 4.125%
HK$12,115
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,230/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).