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$6,374
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$202/mo
Today · 4.125%
HK$6,774
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,548/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$7,091
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$193/mo
Today · 4.125%
HK$7,474
baseline
▲ 0.50% · 4.625%
HK$7,868
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,948/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$7,649
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,887
−HK$241/mo
Today · 4.125%
HK$8,128
baseline
▲ 0.50% · 4.625%
HK$8,623
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,256/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$8,509
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$232/mo
Today · 4.125%
HK$8,969
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,938/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$8,923
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$282/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,966/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$9,927
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$271/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$551/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,928/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$11,473
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$362/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,384/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$12,764
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$347/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,906/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).