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$6,315
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,511
−HK$200/mo
Today · 4.125%
HK$6,711
baseline
▲ 0.50% · 4.625%
HK$7,119
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,422/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,025
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$191/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$391/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,808/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,578
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$240/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,106/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$8,430
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$229/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,770/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$8,840
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$280/mo
Today · 4.125%
HK$9,395
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$571/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,790/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,835
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$267/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,732/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,366
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$359/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,158/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$12,645
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,984
−HK$344/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,656/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).