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$6,365
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$201/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,176
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,528/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$7,081
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,271
−HK$193/mo
Today · 4.125%
HK$7,464
baseline
▲ 0.50% · 4.625%
HK$7,857
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,928/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$7,638
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$241/mo
Today · 4.125%
HK$8,117
baseline
▲ 0.50% · 4.625%
HK$8,611
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,234/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$8,497
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$231/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$473/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,912/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$8,911
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$282/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,940/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,914
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$270/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$551/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,898/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,457
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$362/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,352/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$12,746
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$347/mo
Today · 4.125%
HK$13,435
baseline
▲ 0.50% · 4.625%
HK$14,143
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,870/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).