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$6,402
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,601
−HK$203/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,218
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,608/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$7,122
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$194/mo
Today · 4.125%
HK$7,507
baseline
▲ 0.50% · 4.625%
HK$7,903
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,014/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$7,683
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$242/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,661
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,328/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$8,547
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$233/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,018/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$8,963
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$283/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$580/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$19,050/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,971
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$271/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$554/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$21,020/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$364/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$281K (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).