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$6,375
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,573
−HK$202/mo
Today · 4.125%
HK$6,775
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,550/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$7,092
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$193/mo
Today · 4.125%
HK$7,475
baseline
▲ 0.50% · 4.625%
HK$7,869
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,950/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$7,650
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$241/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,258/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$8,510
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$232/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,940/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$8,925
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$282/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,968/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$9,929
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$270/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$552/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,930/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$11,475
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$363/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,388/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$12,765
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$347/mo
Today · 4.125%
HK$13,455
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,910/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).