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$6,367
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,565
−HK$201/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,178
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,532/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$7,083
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,273
−HK$193/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,932/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$7,641
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$242/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,240/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$8,500
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$231/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,918/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$8,914
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$282/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$576/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$18,946/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,917
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$270/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$551/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$20,906/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,461
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$363/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,750
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,092
−HK$347/mo
Today · 4.125%
HK$13,439
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,878/mo (50% DSR)
Upfront cash ≈ HK$279K (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).