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$6,323
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$200/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,129
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,440/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,035
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$192/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,806
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,830/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,588
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$240/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,128/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,442
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$230/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,796/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,853
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$280/mo
Today · 4.125%
HK$9,408
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,816/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,849
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$268/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,762/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$360/mo
Today · 4.125%
HK$12,096
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,192/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,662
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$344/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$704/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,692/mo (50% DSR)
Upfront cash ≈ HK$277K (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).