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$401/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$202/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,608/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$7,123
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$194/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$395/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$7,683
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$243/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,330/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$8,547
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$232/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,018/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$8,964
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$284/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$579/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$19,052/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,972
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$272/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$554/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$21,022/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$364/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,494/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$12,821
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$349/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,226
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,028/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).