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$6,322
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$199/mo
Today · 4.125%
HK$6,718
baseline
▲ 0.50% · 4.625%
HK$7,127
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,436/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$7,033
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$191/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,804
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,826/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$7,586
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$240/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,124/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$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$230/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,792/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$8,851
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$280/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,812/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$9,846
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$268/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,756/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$11,380
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$360/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,829
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,186/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$12,660
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$345/mo
Today · 4.125%
HK$13,344
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,688/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).