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$6,369
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$201/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,538/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$7,086
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,276
−HK$193/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,938/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$7,643
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$242/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,246/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$8,503
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$231/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,924/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$8,917
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$281/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$577/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,952/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$9,920
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$270/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,912/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$11,465
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$362/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,925
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,368/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$12,755
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,097
−HK$347/mo
Today · 4.125%
HK$13,444
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,888/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).