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$6,394
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,593
−HK$202/mo
Today · 4.125%
HK$6,795
baseline
▲ 0.50% · 4.625%
HK$7,208
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,590/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$7,113
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,304
−HK$193/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,892
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,994/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$7,672
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$243/mo
Today · 4.125%
HK$8,154
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,308/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$8,535
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$233/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,994/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$8,951
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$282/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,024/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,958
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$271/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,992/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,509
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$363/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,460/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,147
−HK$348/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$280K (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).