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$6,329
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$200/mo
Today · 4.125%
HK$6,726
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,452/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$7,041
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$191/mo
Today · 4.125%
HK$7,421
baseline
▲ 0.50% · 4.625%
HK$7,812
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,842/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$7,595
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,831
−HK$240/mo
Today · 4.125%
HK$8,071
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,142/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$8,449
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$230/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,810/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$8,860
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$280/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,832/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,857
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$269/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$547/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,392
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$360/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,212/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$12,673
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$345/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$704/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,716/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).