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$6,373
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,572
−HK$201/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,546/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$7,090
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$192/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,946/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$7,648
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$242/mo
Today · 4.125%
HK$8,128
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$494/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$459/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$231/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,936/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$559/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$282/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,964/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$536/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$270/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$551/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,926/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$11,472
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$363/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$741/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$12,763
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,105
−HK$347/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,904/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).