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$6,355
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,553
−HK$201/mo
Today · 4.125%
HK$6,754
baseline
▲ 0.50% · 4.625%
HK$7,165
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,508/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$7,070
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,260
−HK$192/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,845
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,904/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$7,626
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,864
−HK$241/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,210/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$8,484
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$231/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,886/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$8,897
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$281/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$576/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,910/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$9,898
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$269/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$10,983
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,866/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$11,440
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,795
−HK$362/mo
Today · 4.125%
HK$12,157
baseline
▲ 0.50% · 4.625%
HK$12,897
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,314/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$12,726
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,068
−HK$346/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,121
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,828/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).