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$6,395
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$203/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,210
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,594/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$7,115
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$193/mo
Today · 4.125%
HK$7,499
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,998/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$7,675
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$243/mo
Today · 4.125%
HK$8,156
baseline
▲ 0.50% · 4.625%
HK$8,652
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,312/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$8,538
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$232/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,998/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$8,954
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$283/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,030/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,961
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$271/mo
Today · 4.125%
HK$10,499
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,998/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,512
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$364/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,468/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$349/mo
Today · 4.125%
HK$13,499
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,998/mo (50% DSR)
Upfront cash ≈ HK$281K (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).