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$6,493
+HK$372/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$6,579
−HK$175/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$7,689
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$210/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$505/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$255/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,138/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$484/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$244/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,910/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$10,367
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$328/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$670/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$623/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$314/mo
Today · 4.125%
HK$12,157
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$641/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,314/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).