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$6,318
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$199/mo
Today · 4.125%
HK$6,714
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,428/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$7,029
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$192/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,799
+HK$390/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,818/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$7,582
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$239/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,114/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$8,435
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$229/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,780/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$8,845
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$280/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,800/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$9,840
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$268/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$547/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,744/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$11,373
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$360/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,172/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$12,652
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,991
−HK$344/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,038
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,670/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).