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$6,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$200/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,140
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,462/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$7,046
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,235
−HK$192/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,818
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,854/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$7,600
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$240/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,568
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,154/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$8,455
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,682
−HK$230/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,824/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$8,867
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$280/mo
Today · 4.125%
HK$9,423
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,846/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,864
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,129
−HK$268/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,794/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,400
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$360/mo
Today · 4.125%
HK$12,115
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,230/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$12,683
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,023
−HK$345/mo
Today · 4.125%
HK$13,368
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,736/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).