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$6,365
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$201/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$411/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,528/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$7,081
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,270
−HK$193/mo
Today · 4.125%
HK$7,463
baseline
▲ 0.50% · 4.625%
HK$7,856
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,926/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$7,637
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$241/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,232/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$8,497
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$232/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,912/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$8,910
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$281/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,938/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$9,913
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$269/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$10,999
+HK$551/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,896/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$11,456
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$362/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,915
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,350/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$12,745
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$346/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,142
+HK$709/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,866/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).