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$6,354
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$201/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,506/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$7,069
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$192/mo
Today · 4.125%
HK$7,451
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,902/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$7,625
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$241/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,206/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$8,483
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$231/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$472/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,882/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$8,896
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$281/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$575/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,908/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,897
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$269/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,438
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$361/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,310/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$12,724
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$346/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,824/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).