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$6,388
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$202/mo
Today · 4.125%
HK$6,789
baseline
▲ 0.50% · 4.625%
HK$7,202
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,578/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$7,107
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,297
−HK$194/mo
Today · 4.125%
HK$7,491
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,982/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$7,666
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,904
−HK$242/mo
Today · 4.125%
HK$8,146
baseline
▲ 0.50% · 4.625%
HK$8,642
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,292/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$8,528
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$232/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,978/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$8,943
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$283/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$578/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$19,008/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$9,949
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$271/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$553/mo
Deposit HK$840K · loan HK$1.96M · min. income ≈ HK$20,974/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$11,498
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$364/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$743/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,440/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$12,792
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,135
−HK$348/mo
Today · 4.125%
HK$13,483
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,966/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).