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$6,379
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,577
−HK$202/mo
Today · 4.125%
HK$6,779
baseline
▲ 0.50% · 4.625%
HK$7,191
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,558/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$7,096
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,286
−HK$193/mo
Today · 4.125%
HK$7,479
baseline
▲ 0.50% · 4.625%
HK$7,874
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,958/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$7,654
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,892
−HK$242/mo
Today · 4.125%
HK$8,134
baseline
▲ 0.50% · 4.625%
HK$8,629
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,268/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$8,515
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$231/mo
Today · 4.125%
HK$8,975
baseline
▲ 0.50% · 4.625%
HK$9,448
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,950/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$8,930
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$282/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,980/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,934
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$270/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$552/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,942/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,481
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$363/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,402/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,773
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,115
−HK$348/mo
Today · 4.125%
HK$13,463
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,926/mo (50% DSR)
Upfront cash ≈ HK$280K (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).