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$6,358
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,556
−HK$201/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,168
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,514/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$7,073
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,263
−HK$192/mo
Today · 4.125%
HK$7,455
baseline
▲ 0.50% · 4.625%
HK$7,848
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,910/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$7,629
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,867
−HK$241/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,601
+HK$493/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,216/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$8,488
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,715
−HK$231/mo
Today · 4.125%
HK$8,946
baseline
▲ 0.50% · 4.625%
HK$9,418
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,892/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$8,901
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$281/mo
Today · 4.125%
HK$9,459
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$576/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,918/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,902
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$269/mo
Today · 4.125%
HK$10,437
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,874/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,444
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$362/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,902
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,324/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$12,732
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$346/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,127
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,838/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).