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$6,325
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,522
−HK$199/mo
Today · 4.125%
HK$6,721
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,442/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$7,036
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,225
−HK$191/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,832/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$7,590
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$240/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,557
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,132/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$8,444
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$230/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,369
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,800/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$8,855
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$280/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$573/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,820/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,851
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$268/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,766/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,385
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$360/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,198/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$12,665
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$345/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,700/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).