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$6,398
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,597
−HK$202/mo
Today · 4.125%
HK$6,799
baseline
▲ 0.50% · 4.625%
HK$7,213
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,598/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$7,118
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$194/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,898
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,006/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$7,678
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$242/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,656
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,318/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$8,542
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$232/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,006/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$8,958
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$283/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$580/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,038/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$9,965
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$272/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$553/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,008/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$11,517
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$364/mo
Today · 4.125%
HK$12,239
baseline
▲ 0.50% · 4.625%
HK$12,984
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,478/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$12,812
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$349/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$711/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,010/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).