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$6,332
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$200/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,138
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,458/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$7,044
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$192/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,850/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$7,598
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$241/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,150/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$8,453
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$230/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,818/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$8,864
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$280/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,840/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$9,862
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$268/mo
Today · 4.125%
HK$10,394
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,788/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$11,397
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$360/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,849
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,224/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$12,679
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,019
−HK$345/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,728/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).