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$6,357
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,555
−HK$201/mo
Today · 4.125%
HK$6,756
baseline
▲ 0.50% · 4.625%
HK$7,167
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,512/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$7,072
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,262
−HK$192/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,847
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,908/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$7,629
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$241/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$493/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,214/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$8,487
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$231/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,890/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$8,900
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$281/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$576/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,916/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,901
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$269/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,872/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,443
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$361/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$346/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,836/mo (50% DSR)
Upfront cash ≈ HK$279K (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).