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$6,353
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$201/mo
Today · 4.125%
HK$6,751
baseline
▲ 0.50% · 4.625%
HK$7,162
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,502/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,067
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,257
−HK$192/mo
Today · 4.125%
HK$7,449
baseline
▲ 0.50% · 4.625%
HK$7,842
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,898/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,623
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$241/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,202/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,481
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$231/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,410
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,878/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,894
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$281/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$575/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,902/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,894
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$270/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$10,978
+HK$549/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,858/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$362/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$739/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$346/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,816/mo (50% DSR)
Upfront cash ≈ HK$279K (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).