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$6,339
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,537
−HK$200/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,147
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,474/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$7,052
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,242
−HK$192/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,868/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$7,607
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$240/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,168/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$8,463
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$230/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,840/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$8,875
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,151
−HK$281/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,864/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,873
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$269/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$10,955
+HK$548/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,814/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,411
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$360/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$345/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$278K (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).