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$6,371
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,569
−HK$202/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,182
+HK$411/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,542/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$7,088
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$193/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,942/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$7,645
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$242/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,619
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,250/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$8,505
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$232/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,930/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$8,919
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$282/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$576/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,958/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$9,923
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$270/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,918/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$11,468
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$363/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,374/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$12,758
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$347/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,156
+HK$709/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,894/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).