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$6,342
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,539
−HK$201/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,480/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$7,055
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$192/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,829
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,874/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$7,610
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$241/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,176/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$8,466
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$230/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,848/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$8,879
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$281/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$10,010
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,872/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,878
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$269/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,822/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,416
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$360/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$739/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,262/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$12,700
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$346/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,772/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).