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$6,391
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,590
−HK$202/mo
Today · 4.125%
HK$6,792
baseline
▲ 0.50% · 4.625%
HK$7,205
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,584/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$7,110
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,301
−HK$193/mo
Today · 4.125%
HK$7,494
baseline
▲ 0.50% · 4.625%
HK$7,889
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,988/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$7,669
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,908
−HK$242/mo
Today · 4.125%
HK$8,150
baseline
▲ 0.50% · 4.625%
HK$8,646
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,300/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$8,532
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$232/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,467
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,986/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$8,947
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$282/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,016/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,954
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,221
−HK$271/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,984/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$363/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$348/mo
Today · 4.125%
HK$13,489
baseline
▲ 0.50% · 4.625%
HK$14,200
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,978/mo (50% DSR)
Upfront cash ≈ HK$280K (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).