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$6,400
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$202/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,602/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,120
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$193/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,008/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,680
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$242/mo
Today · 4.125%
HK$8,161
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,322/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,544
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$232/mo
Today · 4.125%
HK$9,005
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,010/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,960
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$284/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$579/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,044/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,968
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$271/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$554/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,012/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,520
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$364/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,484/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,816
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$349/mo
Today · 4.125%
HK$13,508
baseline
▲ 0.50% · 4.625%
HK$14,220
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,016/mo (50% DSR)
Upfront cash ≈ HK$281K (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).