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$6,337
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$200/mo
Today · 4.125%
HK$6,734
baseline
▲ 0.50% · 4.625%
HK$7,144
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,468/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$7,050
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$192/mo
Today · 4.125%
HK$7,431
baseline
▲ 0.50% · 4.625%
HK$7,823
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,862/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$7,605
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$240/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,573
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,162/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$8,460
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$230/mo
Today · 4.125%
HK$8,917
baseline
▲ 0.50% · 4.625%
HK$9,387
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,834/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$8,872
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$280/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,856/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,870
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$268/mo
Today · 4.125%
HK$10,403
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,806/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,407
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$360/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,244/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$12,690
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$346/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,752/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).