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$397/mo
▼ 0.25% · 3.875%
HK$6,522
−HK$200/mo
Today · 4.125%
HK$6,722
baseline
▲ 0.50% · 4.625%
HK$7,131
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,444/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$7,037
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$191/mo
Today · 4.125%
HK$7,417
baseline
▲ 0.50% · 4.625%
HK$7,808
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,834/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$7,827
−HK$239/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$8,671
−HK$229/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,370
+HK$470/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$556/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$280/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,822/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$9,852
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$268/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,768/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$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,200/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$12,666
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,006
−HK$345/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,702/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).