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$6,317
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$200/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$408/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,426/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$7,027
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$191/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$390/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,814/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$7,580
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$240/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,546
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,112/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$8,433
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$229/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,357
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,776/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$8,844
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$279/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,796/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$9,838
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$268/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$546/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,740/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$11,370
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,724
−HK$359/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$736/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,166/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$12,649
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$344/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,035
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,666/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).