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$6,321
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$200/mo
Today · 4.125%
HK$6,718
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,436/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$7,032
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,221
−HK$191/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,803
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,824/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$7,586
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$239/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,122/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$8,439
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$230/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,790/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$8,850
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$280/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,810/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,845
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$268/mo
Today · 4.125%
HK$10,377
baseline
▲ 0.50% · 4.625%
HK$10,924
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,754/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,378
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,732
−HK$360/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$736/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,658
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$344/mo
Today · 4.125%
HK$13,342
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$704/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,684/mo (50% DSR)
Upfront cash ≈ HK$277K (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).