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$6,350
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$201/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,498/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,065
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$192/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,892/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,621
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$240/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,196/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$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$231/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,872/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$8,891
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$281/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$575/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,896/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,891
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$269/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$550/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,850/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,786
−HK$362/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$739/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,717
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$346/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$706/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$279K (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).