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$6,333
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,530
−HK$200/mo
Today · 4.125%
HK$6,730
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,460/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$7,045
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$192/mo
Today · 4.125%
HK$7,426
baseline
▲ 0.50% · 4.625%
HK$7,817
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,852/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$7,599
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$240/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,152/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$8,454
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$230/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,822/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$8,866
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$280/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,844/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,863
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,128
−HK$268/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,792/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,399
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$361/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,681
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$345/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$278K (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).