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$6,344
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,541
−HK$201/mo
Today · 4.125%
HK$6,742
baseline
▲ 0.50% · 4.625%
HK$7,152
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,484/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$7,058
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,247
−HK$192/mo
Today · 4.125%
HK$7,439
baseline
▲ 0.50% · 4.625%
HK$7,831
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,878/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$7,613
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$240/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,180/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$8,469
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$231/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,854/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$8,882
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$281/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,878/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,881
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$269/mo
Today · 4.125%
HK$10,415
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,830/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,419
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$361/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,272/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$12,704
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$345/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,780/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).