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$6,395
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$202/mo
Today · 4.125%
HK$6,796
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,592/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$7,114
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,305
−HK$194/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,998/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$7,674
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,912
−HK$243/mo
Today · 4.125%
HK$8,155
baseline
▲ 0.50% · 4.625%
HK$8,651
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,310/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$8,537
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$232/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,996/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$8,953
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$283/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,093
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,028/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,960
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$271/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,051
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,511
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$363/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,977
+HK$745/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,464/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$12,806
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$348/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$712/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,994/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).