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$6,318
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$200/mo
Today · 4.125%
HK$6,715
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,430/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,029
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,218
−HK$191/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$390/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,818/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,582
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$240/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,116/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,435
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$230/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,782/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,846
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$280/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,802/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,841
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$268/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$546/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,746/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,373
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$359/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$736/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,172/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$344/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$277K (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).