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$6,403
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,602
−HK$202/mo
Today · 4.125%
HK$6,804
baseline
▲ 0.50% · 4.625%
HK$7,219
+HK$415/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,608/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$7,123
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$194/mo
Today · 4.125%
HK$7,508
baseline
▲ 0.50% · 4.625%
HK$7,904
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,016/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$7,684
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,923
−HK$242/mo
Today · 4.125%
HK$8,165
baseline
▲ 0.50% · 4.625%
HK$8,662
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,330/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$8,548
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$233/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,020/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$8,964
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$283/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$580/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$19,052/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,972
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$271/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$554/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$21,022/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$364/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$349/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$281K (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).