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$6,328
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,525
−HK$200/mo
Today · 4.125%
HK$6,725
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,450/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$7,040
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,229
−HK$192/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,842/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$7,594
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,830
−HK$240/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,561
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,140/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$8,448
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$230/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$469/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,810/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$8,860
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$280/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,830/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$9,856
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$268/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,778/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$11,391
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$360/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$736/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,212/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$12,673
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$344/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$704/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,714/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).