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$5,754
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,933
−HK$182/mo
Today · 4.125%
HK$6,115
baseline
▲ 0.50% · 4.625%
HK$6,487
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,230/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$6,401
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$174/mo
Today · 4.125%
HK$6,747
baseline
▲ 0.50% · 4.625%
HK$7,103
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,494/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$6,905
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,120
−HK$218/mo
Today · 4.125%
HK$7,338
baseline
▲ 0.50% · 4.625%
HK$7,784
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,676/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$7,682
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$209/mo
Today · 4.125%
HK$8,097
baseline
▲ 0.50% · 4.625%
HK$8,523
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,194/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$8,056
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$255/mo
Today · 4.125%
HK$8,561
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,122/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$8,962
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$244/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,892/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$10,357
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$328/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,014/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$11,522
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$314/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,290/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).