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$6,387
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$202/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,576/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$7,106
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$193/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,980/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$7,665
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,903
−HK$243/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,292/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$8,527
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,976/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$8,942
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$282/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$19,006/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,948
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$271/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$553/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,972/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,497
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$363/mo
Today · 4.125%
HK$12,218
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,436/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,791
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$348/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,964/mo (50% DSR)
Upfront cash ≈ HK$280K (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).