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$6,366
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$201/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$411/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,530/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$7,082
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$192/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,928/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$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$242/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,236/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$8,498
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$231/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,914/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$8,912
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$282/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,942/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$9,914
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$270/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$551/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,900/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$11,458
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$362/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,354/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,747
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$347/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,872/mo (50% DSR)
Upfront cash ≈ HK$279K (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).