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$6,346
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,544
−HK$200/mo
Today · 4.125%
HK$6,744
baseline
▲ 0.50% · 4.625%
HK$7,155
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,488/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$7,060
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,250
−HK$192/mo
Today · 4.125%
HK$7,442
baseline
▲ 0.50% · 4.625%
HK$7,834
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,884/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$7,616
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$241/mo
Today · 4.125%
HK$8,093
baseline
▲ 0.50% · 4.625%
HK$8,586
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,186/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$8,472
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$231/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,401
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,860/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$8,885
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,161
−HK$281/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$575/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,884/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,884
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$269/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,836/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,423
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,779
−HK$361/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,280/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$12,708
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$346/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,790/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).