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$6,350
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,547
−HK$201/mo
Today · 4.125%
HK$6,748
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,496/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$7,064
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$192/mo
Today · 4.125%
HK$7,446
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,892/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$7,620
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$241/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,590
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,196/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$8,477
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$231/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,870/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$8,890
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$281/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$575/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,894/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,890
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$269/mo
Today · 4.125%
HK$10,424
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$550/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,848/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,430
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$362/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$739/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,716
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$345/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$707/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$26,804/mo (50% DSR)
Upfront cash ≈ HK$279K (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).