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$6,522
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$206/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,862/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$7,256
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$198/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,296/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$7,826
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,070
−HK$247/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,634/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$8,707
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$237/mo
Today · 4.125%
HK$9,177
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$484/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,354/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$9,131
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$288/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$591/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,406/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,158
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$277/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,414/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,740
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$371/mo
Today · 4.125%
HK$12,476
baseline
▲ 0.50% · 4.625%
HK$13,235
+HK$759/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,952/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$13,060
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$355/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$726/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,532/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).