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$5,728
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$181/mo
Today · 4.125%
HK$6,087
baseline
▲ 0.50% · 4.625%
HK$6,457
+HK$370/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,174/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$6,372
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$173/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,071
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,432/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$6,873
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$217/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$445/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,647
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$208/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$425/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,120/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,019
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$254/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$518/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,044/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,921
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$243/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$496/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,806/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,310
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$251K (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).