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$6,341
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$201/mo
Today · 4.125%
HK$6,739
baseline
▲ 0.50% · 4.625%
HK$7,149
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,478/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$7,054
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$192/mo
Today · 4.125%
HK$7,436
baseline
▲ 0.50% · 4.625%
HK$7,828
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,872/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$7,609
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$241/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,579
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,174/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$8,465
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$231/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,846/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$8,878
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$280/mo
Today · 4.125%
HK$9,434
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$574/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$18,868/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,876
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$269/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$10,959
+HK$549/mo
Deposit HK$834K · loan HK$1.95M · min. income ≈ HK$20,820/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,414
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$361/mo
Today · 4.125%
HK$12,130
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,260/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,698
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,039
−HK$345/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,768/mo (50% DSR)
Upfront cash ≈ HK$278K (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).