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$6,326
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$200/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,446/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$7,038
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$191/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,836/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$7,592
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$240/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,136/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$8,446
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$230/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,804/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$8,857
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$280/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$573/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,824/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$9,853
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$268/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$548/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,770/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$11,387
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$359/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$737/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,202/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$12,668
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,008
−HK$345/mo
Today · 4.125%
HK$13,353
baseline
▲ 0.50% · 4.625%
HK$14,057
+HK$704/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,706/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).