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$6,393
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$202/mo
Today · 4.125%
HK$6,794
baseline
▲ 0.50% · 4.625%
HK$7,207
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,588/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$7,112
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,303
−HK$193/mo
Today · 4.125%
HK$7,496
baseline
▲ 0.50% · 4.625%
HK$7,891
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,992/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$7,671
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,910
−HK$242/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,648
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,304/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$8,534
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$232/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,990/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$8,950
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$283/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,022/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,957
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$271/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,990/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,507
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$363/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$745/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,456/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$12,801
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$348/mo
Today · 4.125%
HK$13,493
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,986/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).