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$6,313
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$200/mo
Today · 4.125%
HK$6,709
baseline
▲ 0.50% · 4.625%
HK$7,117
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,418/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,023
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$191/mo
Today · 4.125%
HK$7,403
baseline
▲ 0.50% · 4.625%
HK$7,793
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,806/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,811
−HK$240/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,102/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$8,428
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$229/mo
Today · 4.125%
HK$8,883
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,766/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$8,838
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$280/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$571/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,786/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,833
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$268/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$546/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,728/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$359/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,152/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$12,642
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$344/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,650/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).