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$6,502
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$205/mo
Today · 4.125%
HK$6,910
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,820/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$7,234
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$197/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,250/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$7,803
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$246/mo
Today · 4.125%
HK$8,292
baseline
▲ 0.50% · 4.625%
HK$8,797
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,584/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,681
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,913
−HK$237/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,300/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,103
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$288/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,263
+HK$589/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$19,348/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,127
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$276/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$562/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$21,350/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$370/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,195
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,876/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,021
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$354/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$285K (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).