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$6,406
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,605
−HK$202/mo
Today · 4.125%
HK$6,807
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,614/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$7,126
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$194/mo
Today · 4.125%
HK$7,511
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,022/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$7,687
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$243/mo
Today · 4.125%
HK$8,169
baseline
▲ 0.50% · 4.625%
HK$8,666
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,338/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$8,551
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$232/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$476/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,026/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$8,968
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$283/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,060/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,977
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$272/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,070
+HK$554/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$364/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$746/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,506/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$12,827
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$349/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,040/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).