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$6,336
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$200/mo
Today · 4.125%
HK$6,733
baseline
▲ 0.50% · 4.625%
HK$7,143
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,466/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$7,049
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$192/mo
Today · 4.125%
HK$7,430
baseline
▲ 0.50% · 4.625%
HK$7,821
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,860/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$7,603
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$240/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,572
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,160/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$8,459
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$230/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,832/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$8,871
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,147
−HK$280/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$573/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,854/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$9,868
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$269/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$548/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,804/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$11,405
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$360/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,240/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$12,688
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$346/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$704/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,748/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).