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$5,916
−HK$181/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$6,383
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,554
−HK$174/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,082
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,456/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$6,885
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,099
−HK$218/mo
Today · 4.125%
HK$7,317
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,634/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$414/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$208/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,146/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$504/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$254/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$9,055
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,072/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$8,936
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$243/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,838/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$10,327
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$326/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$668/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$21,950/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$11,489
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,797
−HK$313/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$638/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$24,220/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).