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$6,368
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,566
−HK$201/mo
Today · 4.125%
HK$6,767
baseline
▲ 0.50% · 4.625%
HK$7,179
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,534/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$7,084
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$193/mo
Today · 4.125%
HK$7,467
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,934/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$7,641
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,879
−HK$241/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,240/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$8,501
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$231/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,920/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$8,915
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$282/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$576/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$18,948/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,918
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$269/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$551/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$363/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,362/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$12,751
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$347/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,148
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,880/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).