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$6,359
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$201/mo
Today · 4.125%
HK$6,758
baseline
▲ 0.50% · 4.625%
HK$7,170
+HK$412/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,516/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$7,075
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$192/mo
Today · 4.125%
HK$7,457
baseline
▲ 0.50% · 4.625%
HK$7,850
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,914/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$7,631
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$241/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$493/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,220/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$8,490
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$231/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$471/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,898/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$8,903
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$282/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$10,037
+HK$575/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,924/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$9,905
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$270/mo
Today · 4.125%
HK$10,440
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$550/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,880/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$11,447
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$362/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,330/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$12,735
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$347/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,846/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).