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$6,400
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$203/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,604/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$7,120
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$194/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,010/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$7,680
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$243/mo
Today · 4.125%
HK$8,162
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,324/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$8,544
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$233/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$475/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,012/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$8,960
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$283/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$580/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,044/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,968
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$271/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$554/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,014/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,521
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$364/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,486/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$12,817
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,160
−HK$349/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,221
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,018/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).