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$6,360
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,558
−HK$201/mo
Today · 4.125%
HK$6,759
baseline
▲ 0.50% · 4.625%
HK$7,171
+HK$412/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,518/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$7,076
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,266
−HK$192/mo
Today · 4.125%
HK$7,458
baseline
▲ 0.50% · 4.625%
HK$7,851
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,916/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$7,633
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,870
−HK$241/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,605
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,222/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$8,491
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$231/mo
Today · 4.125%
HK$8,950
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,900/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$8,905
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$281/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,926/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,906
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$270/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$550/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,884/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,449
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$362/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,907
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,334/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$12,737
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$347/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,850/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).