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$6,384
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,583
−HK$202/mo
Today · 4.125%
HK$6,785
baseline
▲ 0.50% · 4.625%
HK$7,198
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,570/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$7,103
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$193/mo
Today · 4.125%
HK$7,486
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,972/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$7,661
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$242/mo
Today · 4.125%
HK$8,142
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,284/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$8,523
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$232/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,968/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$8,938
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$283/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,077
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$18,998/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,944
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$271/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$552/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,962/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,492
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$364/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,956
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,426/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,785
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$347/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$280K (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).