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$6,351
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$201/mo
Today · 4.125%
HK$6,749
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,498/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$7,065
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$192/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,839
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,894/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$7,621
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$241/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,198/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$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$231/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,872/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$8,891
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$281/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$10,023
+HK$574/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,898/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,891
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,156
−HK$270/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$549/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,852/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$361/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$739/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,717
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$346/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$279K (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).