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$6,323
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$200/mo
Today · 4.125%
HK$6,719
baseline
▲ 0.50% · 4.625%
HK$7,128
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,438/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$7,034
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,222
−HK$192/mo
Today · 4.125%
HK$7,414
baseline
▲ 0.50% · 4.625%
HK$7,805
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,828/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$7,587
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$240/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,126/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$8,441
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$230/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,794/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$8,852
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,127
−HK$280/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,979
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,814/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$9,847
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,111
−HK$268/mo
Today · 4.125%
HK$10,379
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,758/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$11,381
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$359/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,188/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$12,661
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,000
−HK$345/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,048
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,690/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).