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$5,766
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$182/mo
Today · 4.125%
HK$6,127
baseline
▲ 0.50% · 4.625%
HK$6,500
+HK$373/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,254/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$6,414
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$175/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,117
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,522/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$6,919
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,134
−HK$218/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,800
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,704/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$7,697
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$210/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,540
+HK$427/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,226/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$8,072
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,156/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,980
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$244/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$499/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,930/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,378
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$328/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$671/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,058/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$11,545
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$314/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,338/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).