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$5,750
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,929
−HK$182/mo
Today · 4.125%
HK$6,111
baseline
▲ 0.50% · 4.625%
HK$6,483
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,222/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$6,397
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,569
−HK$174/mo
Today · 4.125%
HK$6,743
baseline
▲ 0.50% · 4.625%
HK$7,098
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,486/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$6,900
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$218/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,666/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$7,677
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$208/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$427/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,182/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$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$254/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,110/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,956
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$244/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,880/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,351
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$327/mo
Today · 4.125%
HK$11,000
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,000/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$11,515
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$313/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,274/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).