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$5,737
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,915
−HK$182/mo
Today · 4.125%
HK$6,097
baseline
▲ 0.50% · 4.625%
HK$6,468
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,194/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$6,382
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,553
−HK$174/mo
Today · 4.125%
HK$6,727
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,454/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$6,884
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$218/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,632/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$7,659
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,864
−HK$208/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,144/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$8,032
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$254/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$520/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,070/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$8,935
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$243/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,914
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,836/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$10,326
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,648
−HK$326/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$668/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$21,948/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$11,488
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$313/mo
Today · 4.125%
HK$12,109
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$638/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$24,218/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).