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$6,372
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$202/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,544/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$7,089
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,279
−HK$193/mo
Today · 4.125%
HK$7,472
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,944/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$7,647
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$242/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,252/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$8,507
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$231/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,932/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$8,921
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$282/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$577/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,960/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,924
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,922/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$362/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$742/mo
Deposit HK$279K · loan HK$2.52M · min. income ≈ HK$24,378/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$12,760
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$347/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$709/mo
Deposit HK$279K · loan HK$2.52M · min. income ≈ HK$26,898/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).