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$6,334
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$200/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,141
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,462/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$7,047
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,236
−HK$191/mo
Today · 4.125%
HK$7,427
baseline
▲ 0.50% · 4.625%
HK$7,819
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,854/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$7,601
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$240/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,569
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,154/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$8,456
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$230/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,383
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,826/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$8,868
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$281/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,848/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,865
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$268/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,796/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,401
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$360/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,232/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$12,684
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$345/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,738/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).