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$6,396
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,595
−HK$202/mo
Today · 4.125%
HK$6,797
baseline
▲ 0.50% · 4.625%
HK$7,211
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,594/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$7,116
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$194/mo
Today · 4.125%
HK$7,500
baseline
▲ 0.50% · 4.625%
HK$7,895
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,000/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$7,675
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,914
−HK$243/mo
Today · 4.125%
HK$8,157
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,314/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$8,539
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$232/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,000/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$8,954
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$283/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,032/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,962
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$271/mo
Today · 4.125%
HK$10,500
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$21,000/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,513
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,871
−HK$364/mo
Today · 4.125%
HK$12,235
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,470/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,808
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$349/mo
Today · 4.125%
HK$13,500
baseline
▲ 0.50% · 4.625%
HK$14,212
+HK$712/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$27,000/mo (50% DSR)
Upfront cash ≈ HK$281K (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).