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$6,385
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,584
−HK$201/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,198
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,570/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$7,103
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$193/mo
Today · 4.125%
HK$7,487
baseline
▲ 0.50% · 4.625%
HK$7,882
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,974/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$7,662
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$243/mo
Today · 4.125%
HK$8,143
baseline
▲ 0.50% · 4.625%
HK$8,638
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,286/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$8,524
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$231/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,968/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$8,939
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$283/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$19,000/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$9,945
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$271/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,034
+HK$552/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,964/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$11,493
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$363/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,428/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$12,786
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$348/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,954/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).