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$6,351
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$201/mo
Today · 4.125%
HK$6,750
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,500/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$7,066
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$193/mo
Today · 4.125%
HK$7,448
baseline
▲ 0.50% · 4.625%
HK$7,840
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,896/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$7,622
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$241/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,200/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$8,479
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$231/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,874/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$8,892
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$281/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$575/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,898/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$9,892
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$270/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$10,976
+HK$549/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,854/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$11,432
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$361/mo
Today · 4.125%
HK$12,149
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,298/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$12,718
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$346/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$706/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,812/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).