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$6,397
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,596
−HK$203/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,212
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,598/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$7,117
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$194/mo
Today · 4.125%
HK$7,502
baseline
▲ 0.50% · 4.625%
HK$7,897
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,004/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$7,677
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$242/mo
Today · 4.125%
HK$8,158
baseline
▲ 0.50% · 4.625%
HK$8,655
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,316/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$8,541
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,770
−HK$232/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,004/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$8,956
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,235
−HK$283/mo
Today · 4.125%
HK$9,518
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$579/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,036/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,964
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$271/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$554/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,004/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,515
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$364/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$744/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,476/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,811
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$349/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,215
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,006/mo (50% DSR)
Upfront cash ≈ HK$281K (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).