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$6,343
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$201/mo
Today · 4.125%
HK$6,741
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,482/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$7,057
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,246
−HK$192/mo
Today · 4.125%
HK$7,438
baseline
▲ 0.50% · 4.625%
HK$7,830
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,876/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$7,612
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$241/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,178/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$8,468
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$230/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,396
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,850/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$8,880
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,157
−HK$280/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,874/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$9,879
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$269/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,826/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$11,418
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,773
−HK$361/mo
Today · 4.125%
HK$12,134
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,268/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$12,702
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$345/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,776/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).