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$6,379
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,578
−HK$201/mo
Today · 4.125%
HK$6,779
baseline
▲ 0.50% · 4.625%
HK$7,192
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,558/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$7,097
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,287
−HK$193/mo
Today · 4.125%
HK$7,480
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,960/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$7,655
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,893
−HK$242/mo
Today · 4.125%
HK$8,135
baseline
▲ 0.50% · 4.625%
HK$8,630
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,270/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$8,516
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$232/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,952/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$8,931
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$282/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$10,068
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,982/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$9,935
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$270/mo
Today · 4.125%
HK$10,472
baseline
▲ 0.50% · 4.625%
HK$11,024
+HK$552/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,944/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$11,482
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$362/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,404/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$12,774
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$347/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,928/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).