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$6,404
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$202/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,219
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,610/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$7,124
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$194/mo
Today · 4.125%
HK$7,509
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,018/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$7,685
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$242/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,332/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$8,549
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$233/mo
Today · 4.125%
HK$9,011
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,022/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$8,965
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$283/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,107
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,054/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,974
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$272/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,026/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,527
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$365/mo
Today · 4.125%
HK$12,250
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,500/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,823
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$349/mo
Today · 4.125%
HK$13,516
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,032/mo (50% DSR)
Upfront cash ≈ HK$281K (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).