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$6,388
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$202/mo
Today · 4.125%
HK$6,788
baseline
▲ 0.50% · 4.625%
HK$7,201
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,576/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$7,106
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$193/mo
Today · 4.125%
HK$7,490
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,980/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$7,665
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$242/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,292/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$8,528
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$232/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,976/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$8,943
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$283/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$19,008/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,949
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$270/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$553/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,972/mo (50% DSR)
Upfront cash ≈ HK$840K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,498
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$363/mo
Today · 4.125%
HK$12,219
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,438/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$12,791
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$348/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,193
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,964/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).