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$6,377
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$202/mo
Today · 4.125%
HK$6,777
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,554/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$7,094
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$193/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,956/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$7,652
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$242/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,264/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$8,513
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$232/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,946/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$8,928
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$283/mo
Today · 4.125%
HK$9,488
baseline
▲ 0.50% · 4.625%
HK$10,065
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,976/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,932
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,198
−HK$271/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,020
+HK$551/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,938/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,478
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$363/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,940
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,396/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$12,770
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$348/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,920/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).