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$6,373
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$202/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,546/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$7,090
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$193/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,946/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$7,648
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$241/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,254/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$8,508
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$232/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,936/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$8,922
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$282/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$577/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,964/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,926
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$270/mo
Today · 4.125%
HK$10,462
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$552/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,924/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,471
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$363/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$742/mo
Deposit HK$279K · loan HK$2.52M · min. income ≈ HK$24,382/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$12,762
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$347/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$709/mo
Deposit HK$279K · loan HK$2.52M · min. income ≈ HK$26,902/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).