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$6,331
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$200/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,137
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,456/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$7,043
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$192/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,848/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$7,597
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$241/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,148/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$8,452
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$230/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,816/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$8,863
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$280/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,992
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,838/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$9,860
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$268/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,786/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$11,396
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,750
−HK$360/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,847
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,220/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$12,678
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$344/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,724/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).