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$6,364
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,561
−HK$202/mo
Today · 4.125%
HK$6,763
baseline
▲ 0.50% · 4.625%
HK$7,174
+HK$411/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,526/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$7,079
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,269
−HK$193/mo
Today · 4.125%
HK$7,462
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,924/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$7,636
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,874
−HK$241/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,230/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$8,495
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$231/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,908/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$8,909
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$282/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,936/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,911
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$270/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$550/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,894/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,454
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$362/mo
Today · 4.125%
HK$12,173
baseline
▲ 0.50% · 4.625%
HK$12,913
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,346/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$12,743
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$346/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,862/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).