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$6,337
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,535
−HK$200/mo
Today · 4.125%
HK$6,735
baseline
▲ 0.50% · 4.625%
HK$7,145
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,470/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$7,050
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$192/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,823
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,862/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$7,605
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$240/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,164/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$8,460
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$231/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,836/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$8,872
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$281/mo
Today · 4.125%
HK$9,429
baseline
▲ 0.50% · 4.625%
HK$10,003
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,858/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,871
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$269/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$548/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,808/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,407
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$361/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,246/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$12,691
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$345/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,752/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).