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$5,760
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$182/mo
Today · 4.125%
HK$6,121
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,242/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$6,408
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$174/mo
Today · 4.125%
HK$6,754
baseline
▲ 0.50% · 4.625%
HK$7,110
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,508/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$6,912
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,127
−HK$218/mo
Today · 4.125%
HK$7,345
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,690/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$7,690
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$209/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,210/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$8,064
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,315
−HK$255/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$521/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,140/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$8,971
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$244/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$498/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,912/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$10,368
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$327/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,036/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$11,534
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$314/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$640/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,316/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).