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$6,345
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,542
−HK$201/mo
Today · 4.125%
HK$6,743
baseline
▲ 0.50% · 4.625%
HK$7,153
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,486/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$7,058
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,248
−HK$192/mo
Today · 4.125%
HK$7,440
baseline
▲ 0.50% · 4.625%
HK$7,832
+HK$392/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,880/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$7,614
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$241/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$492/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,182/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$8,470
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$231/mo
Today · 4.125%
HK$8,928
baseline
▲ 0.50% · 4.625%
HK$9,398
+HK$470/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,856/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$8,883
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$281/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$574/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$18,880/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,882
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$269/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$549/mo
Deposit HK$835K · loan HK$1.95M · min. income ≈ HK$20,832/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,420
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$361/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$738/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,274/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$12,705
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$345/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,097
+HK$706/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,782/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).