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$6,346
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,543
−HK$201/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,154
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,488/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$7,060
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,249
−HK$192/mo
Today · 4.125%
HK$7,441
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,882/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$7,615
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$241/mo
Today · 4.125%
HK$8,093
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,186/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$8,472
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$231/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,400
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,860/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$8,884
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$281/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,884/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,884
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$269/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,836/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,423
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$361/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$739/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,278/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$12,708
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$345/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,788/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).