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$6,320
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$200/mo
Today · 4.125%
HK$6,716
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,432/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$7,031
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,219
−HK$191/mo
Today · 4.125%
HK$7,410
baseline
▲ 0.50% · 4.625%
HK$7,801
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,820/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$7,584
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$240/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,550
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,118/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$8,437
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$229/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,784/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$8,848
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$279/mo
Today · 4.125%
HK$9,402
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$572/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$18,804/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,843
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$268/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$546/mo
Deposit HK$831K · loan HK$1.94M · min. income ≈ HK$20,750/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$360/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$735/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$345/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$703/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$277K (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).