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$6,404
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,603
−HK$203/mo
Today · 4.125%
HK$6,806
baseline
▲ 0.50% · 4.625%
HK$7,220
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,612/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$7,125
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,316
−HK$194/mo
Today · 4.125%
HK$7,510
baseline
▲ 0.50% · 4.625%
HK$7,905
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,020/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$7,685
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$243/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$497/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$16,334/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$8,550
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,779
−HK$233/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$475/mo
Deposit HK$1.12M · loan HK$1.69M · min. income ≈ HK$18,024/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$8,966
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$283/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$580/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$19,056/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$9,975
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$271/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$555/mo
Deposit HK$843K · loan HK$1.97M · min. income ≈ HK$21,026/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$11,528
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$365/mo
Today · 4.125%
HK$12,251
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,502/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$12,824
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$349/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,034/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).