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$6,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,514
−HK$200/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,122
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,428/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$7,028
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$191/mo
Today · 4.125%
HK$7,408
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,816/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$7,581
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$240/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,114/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$8,434
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$230/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,780/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$8,845
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$279/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,798/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,840
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$267/mo
Today · 4.125%
HK$10,371
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,742/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$359/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,170/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,651
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$345/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,670/mo (50% DSR)
Upfront cash ≈ HK$277K (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).