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$6,376
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,574
−HK$202/mo
Today · 4.125%
HK$6,776
baseline
▲ 0.50% · 4.625%
HK$7,188
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,552/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,093
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,283
−HK$193/mo
Today · 4.125%
HK$7,476
baseline
▲ 0.50% · 4.625%
HK$7,870
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,952/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,651
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,889
−HK$242/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,625
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,262/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$8,511
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$231/mo
Today · 4.125%
HK$8,971
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,942/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$8,926
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,204
−HK$282/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,972/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,930
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$271/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$551/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,934/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,476
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$363/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,767
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$347/mo
Today · 4.125%
HK$13,457
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$709/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,914/mo (50% DSR)
Upfront cash ≈ HK$280K (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).