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$6,407
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,606
−HK$202/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,223
+HK$415/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,616/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$7,127
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$194/mo
Today · 4.125%
HK$7,512
baseline
▲ 0.50% · 4.625%
HK$7,908
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,024/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$7,688
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$243/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,340/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$8,553
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$233/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,030/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$8,969
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$284/mo
Today · 4.125%
HK$9,532
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,064/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,978
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$271/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,072
+HK$555/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,034/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,532
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$364/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,510/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$12,829
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$349/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,044/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).