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$6,342
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,539
−HK$200/mo
Today · 4.125%
HK$6,739
baseline
▲ 0.50% · 4.625%
HK$7,150
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,478/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$7,055
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$192/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,872/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$7,610
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$240/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,579
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,174/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$8,466
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$231/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,848/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$8,879
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$280/mo
Today · 4.125%
HK$9,435
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,870/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,877
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,142
−HK$269/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,822/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,415
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$361/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,262/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$345/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,770/mo (50% DSR)
Upfront cash ≈ HK$278K (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).