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$6,341
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$200/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,476/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$7,054
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$192/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,870/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$7,609
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$241/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,172/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$8,465
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$230/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,844/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$8,877
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$281/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,868/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$9,875
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$269/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,818/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$11,413
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$361/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,258/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$12,697
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$345/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$705/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,766/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).