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$6,319
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$200/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,124
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,432/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$7,030
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,219
−HK$191/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,801
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,820/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$7,583
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$240/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,118/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$8,436
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,662
−HK$230/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,784/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$8,847
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$280/mo
Today · 4.125%
HK$9,402
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,804/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,842
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,106
−HK$268/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,748/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$359/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$736/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$277K (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).