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$6,370
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$202/mo
Today · 4.125%
HK$6,770
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,540/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$7,087
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$193/mo
Today · 4.125%
HK$7,470
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,940/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$7,644
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$242/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,248/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$8,504
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$232/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,928/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$8,918
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$282/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$576/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,956/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$9,922
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$270/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,916/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$11,467
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$363/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,372/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$12,756
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$347/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,892/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).