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$6,386
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,585
−HK$202/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,574/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,104
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$193/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,883
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,976/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,663
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,902
−HK$242/mo
Today · 4.125%
HK$8,144
baseline
▲ 0.50% · 4.625%
HK$8,639
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,288/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,525
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$232/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,460
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,972/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,941
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$282/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$19,002/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,946
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$271/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$552/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,968/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,495
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$363/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,788
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$348/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,189
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$280K (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).