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$6,327
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$200/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,133
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,448/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$7,039
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$191/mo
Today · 4.125%
HK$7,419
baseline
▲ 0.50% · 4.625%
HK$7,811
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,838/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$7,593
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$240/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,138/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$8,447
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,674
−HK$229/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,373
+HK$470/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,806/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$8,858
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$280/mo
Today · 4.125%
HK$9,414
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$573/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,828/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,855
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$268/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$548/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,774/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,389
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$360/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,671
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$345/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$704/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$278K (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).