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$6,326
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$199/mo
Today · 4.125%
HK$6,722
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$410/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,444/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$7,037
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$192/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,836/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$7,591
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,827
−HK$240/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,134/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$8,445
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,671
−HK$230/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,370
+HK$469/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,802/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$8,856
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$279/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$573/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,822/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$9,852
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$268/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,770/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$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$359/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$737/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,200/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$12,667
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$345/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$703/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,704/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).