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$6,348
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,546
−HK$200/mo
Today · 4.125%
HK$6,746
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,492/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$7,062
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$192/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,836
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,888/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$7,618
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,855
−HK$240/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,588
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,190/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$8,475
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$230/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,864/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$8,887
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$281/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,890/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$9,887
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$269/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$550/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,842/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$11,427
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,782
−HK$361/mo
Today · 4.125%
HK$12,143
baseline
▲ 0.50% · 4.625%
HK$12,882
+HK$739/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$24,286/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$12,712
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$346/mo
Today · 4.125%
HK$13,399
baseline
▲ 0.50% · 4.625%
HK$14,105
+HK$706/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$26,798/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).