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$6,406
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$203/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,616/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$7,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$194/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,024/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$7,687
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$243/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,338/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$8,552
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$233/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,028/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$8,969
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$284/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,062/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,977
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$271/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$555/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$364/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$349/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$281K (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).