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$6,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$200/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,466/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$7,048
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,237
−HK$192/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,858/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$7,603
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$241/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,160/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$8,458
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$230/mo
Today · 4.125%
HK$8,915
baseline
▲ 0.50% · 4.625%
HK$9,385
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,830/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$8,870
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$280/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$574/mo
Deposit HK$834K · loan HK$1.94M · min. income ≈ HK$18,852/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$9,868
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$269/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$548/mo
Deposit HK$834K · loan HK$1.94M · min. income ≈ HK$20,802/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$11,404
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$360/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,238/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$12,687
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$346/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$704/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,746/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).