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$6,403
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$203/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,219
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,610/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$7,124
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$193/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,904
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,016/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$7,684
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,923
−HK$243/mo
Today · 4.125%
HK$8,166
baseline
▲ 0.50% · 4.625%
HK$8,663
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,332/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$8,548
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$232/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,020/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$8,965
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$284/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$579/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$19,054/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,973
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$271/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$554/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$21,024/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,526
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$365/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,498/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$349/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$281K (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).