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$6,399
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$202/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,214
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,600/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$7,119
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$193/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,006/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$7,679
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$243/mo
Today · 4.125%
HK$8,160
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,320/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$8,542
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$233/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,008/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$8,958
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$283/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$579/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,040/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$9,966
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$271/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$554/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,008/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$11,518
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$364/mo
Today · 4.125%
HK$12,240
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,480/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$12,813
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$349/mo
Today · 4.125%
HK$13,506
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,012/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).