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$6,530
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$206/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,362
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,878/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,265
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$198/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,314/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,836
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$247/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,654/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,717
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$237/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,376/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,142
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,426
−HK$289/mo
Today · 4.125%
HK$9,715
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,430/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,170
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$277/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,440/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,754
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$371/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,982/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,076
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$356/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$286K (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).