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$6,356
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,554
−HK$201/mo
Today · 4.125%
HK$6,755
baseline
▲ 0.50% · 4.625%
HK$7,166
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,510/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$7,072
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,261
−HK$193/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,846
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,908/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$7,628
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$241/mo
Today · 4.125%
HK$8,106
baseline
▲ 0.50% · 4.625%
HK$8,599
+HK$493/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,212/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$8,486
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$231/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,888/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$8,899
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$281/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$576/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,914/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,900
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$269/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$10,985
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,870/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,442
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$361/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,318/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,729
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$346/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,124
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$279K (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).