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$6,343
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$200/mo
Today · 4.125%
HK$6,740
baseline
▲ 0.50% · 4.625%
HK$7,151
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,480/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$7,056
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,245
−HK$192/mo
Today · 4.125%
HK$7,437
baseline
▲ 0.50% · 4.625%
HK$7,829
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,874/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$7,611
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$241/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,178/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$8,467
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$230/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,850/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$8,880
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$281/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,874/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,879
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$268/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,824/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,417
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$361/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,266/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$12,701
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$345/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,774/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).