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$6,347
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,545
−HK$200/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,156
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,490/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$7,061
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,251
−HK$192/mo
Today · 4.125%
HK$7,443
baseline
▲ 0.50% · 4.625%
HK$7,835
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,886/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$7,617
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$241/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,190/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$8,474
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$231/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,864/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$8,886
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$281/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,888/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,886
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$269/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,840/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,425
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$361/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$739/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$24,284/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$12,711
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$346/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$706/mo
Deposit HK$278K · loan HK$2.51M · min. income ≈ HK$26,794/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).