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$6,320
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$200/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,434/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$7,031
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$191/mo
Today · 4.125%
HK$7,411
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,822/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$7,584
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$240/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,120/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$8,438
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$230/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,788/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$8,849
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$279/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$573/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,806/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,844
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$268/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,752/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,377
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$359/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$736/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,656
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$344/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$277K (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).