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$6,324
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$199/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,440/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$7,035
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,224
−HK$191/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,830/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$7,589
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$240/mo
Today · 4.125%
HK$8,065
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,130/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$8,442
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,669
−HK$229/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,796/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$8,853
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$280/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,818/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$9,849
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$268/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,764/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$11,383
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$360/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,194/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$12,663
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$345/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,696/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).