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$6,332
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,529
−HK$200/mo
Today · 4.125%
HK$6,729
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,458/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$7,044
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,233
−HK$192/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,850/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$7,599
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$240/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,150/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$8,453
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$230/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,380
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,820/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$8,865
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$280/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,842/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$9,862
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$268/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,790/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$11,398
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$361/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,850
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,226/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$12,680
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$345/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,730/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).