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$6,391
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$202/mo
Today · 4.125%
HK$6,791
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,582/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,110
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$194/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,988/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,669
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,907
−HK$243/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,300/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,531
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$232/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,984/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,947
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$283/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,016/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,953
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$271/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,044
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,982/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,503
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$364/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,968
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,797
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,140
−HK$349/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$280K (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).