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$6,381
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,580
−HK$202/mo
Today · 4.125%
HK$6,782
baseline
▲ 0.50% · 4.625%
HK$7,194
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,564/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$7,099
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,290
−HK$193/mo
Today · 4.125%
HK$7,483
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,966/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$7,658
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$242/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,633
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,276/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$8,519
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$232/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,958/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$8,934
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$282/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$10,072
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$18,988/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$9,939
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,205
−HK$271/mo
Today · 4.125%
HK$10,476
baseline
▲ 0.50% · 4.625%
HK$11,028
+HK$552/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,952/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$11,486
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$363/mo
Today · 4.125%
HK$12,207
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,414/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$12,779
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$348/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,938/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).