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$6,371
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$201/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,542/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$7,088
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$193/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,942/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$7,646
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,884
−HK$241/mo
Today · 4.125%
HK$8,125
baseline
▲ 0.50% · 4.625%
HK$8,620
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,250/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$8,506
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$231/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,930/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$8,920
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$281/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$577/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,958/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,924
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$270/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,920/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$363/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,759
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,101
−HK$347/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$709/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$280K (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).