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$5,740
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$181/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,472
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,200/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$6,386
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$173/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,462/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$6,889
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,103
−HK$218/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,642/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$7,663
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$209/mo
Today · 4.125%
HK$8,078
baseline
▲ 0.50% · 4.625%
HK$8,503
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,156/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$8,037
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$254/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$519/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,082/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$8,941
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$243/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,848/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$10,333
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$327/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$668/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,962/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$11,495
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,804
−HK$312/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,232/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).