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$6,407
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$202/mo
Today · 4.125%
HK$6,809
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$415/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,618/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,128
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$194/mo
Today · 4.125%
HK$7,513
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,026/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,689
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$243/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,342/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$8,554
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$233/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,032/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$8,970
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$283/mo
Today · 4.125%
HK$9,533
baseline
▲ 0.50% · 4.625%
HK$10,113
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,066/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,980
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$272/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,038/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,533
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$365/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,514/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,831
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,175
−HK$349/mo
Today · 4.125%
HK$13,524
baseline
▲ 0.50% · 4.625%
HK$14,237
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,048/mo (50% DSR)
Upfront cash ≈ HK$281K (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).