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$6,338
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,535
−HK$201/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,146
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,472/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$7,051
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$192/mo
Today · 4.125%
HK$7,432
baseline
▲ 0.50% · 4.625%
HK$7,824
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,864/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$7,606
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$241/mo
Today · 4.125%
HK$8,083
baseline
▲ 0.50% · 4.625%
HK$8,575
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,166/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$8,461
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$231/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,389
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,838/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$8,874
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$280/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,860/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,872
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$269/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$548/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,810/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$360/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,248/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$12,692
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$345/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,756/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).