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$6,383
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,582
−HK$201/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,196
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,566/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$7,101
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$193/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,879
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,970/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$7,660
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$242/mo
Today · 4.125%
HK$8,140
baseline
▲ 0.50% · 4.625%
HK$8,635
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,280/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$8,521
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$232/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,964/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$8,936
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$283/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$18,994/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,942
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$271/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$552/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,958/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,490
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$363/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,420/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$12,782
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$348/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,183
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,946/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).