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$6,375
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$202/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,550/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$7,092
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$193/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,950/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$7,650
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$242/mo
Today · 4.125%
HK$8,130
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,260/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$8,511
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$231/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,940/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$8,925
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$282/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$10,062
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,970/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$9,929
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$270/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$552/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,930/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$11,475
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$363/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,390/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$12,766
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$348/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,165
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,912/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).