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$6,321
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$200/mo
Today · 4.125%
HK$6,717
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,434/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$7,032
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$192/mo
Today · 4.125%
HK$7,412
baseline
▲ 0.50% · 4.625%
HK$7,802
+HK$390/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,824/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$7,585
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$239/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,120/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$8,438
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$230/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,788/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$8,849
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$280/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,808/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,844
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$268/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,752/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,377
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$360/mo
Today · 4.125%
HK$12,091
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,182/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,657
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$344/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,682/mo (50% DSR)
Upfront cash ≈ HK$277K (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).