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$5,759
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,938
−HK$182/mo
Today · 4.125%
HK$6,120
baseline
▲ 0.50% · 4.625%
HK$6,493
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,240/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$6,407
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,579
−HK$174/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,109
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,506/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$6,911
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,126
−HK$218/mo
Today · 4.125%
HK$7,344
baseline
▲ 0.50% · 4.625%
HK$7,791
+HK$447/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,688/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$7,688
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,895
−HK$209/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,208/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$8,063
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$254/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$522/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$17,136/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$8,970
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$244/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$499/mo
Deposit HK$758K · loan HK$1.77M · min. income ≈ HK$18,908/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$10,366
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$327/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,687
+HK$671/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$22,032/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$11,533
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$314/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,796
+HK$640/mo
Deposit HK$253K · loan HK$2.27M · min. income ≈ HK$24,312/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).