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$6,343
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$200/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,480/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$7,056
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$192/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,829
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,874/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$7,611
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$240/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,176/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$8,467
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$231/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,850/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$8,880
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$280/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$575/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,872/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,878
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$269/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,417
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$360/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$739/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,264/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$12,701
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$346/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,774/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).