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$6,512
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$205/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,342
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,840/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$7,245
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$197/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,039
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,272/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$7,814
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,058
−HK$247/mo
Today · 4.125%
HK$8,305
baseline
▲ 0.50% · 4.625%
HK$8,810
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,610/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$8,694
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$236/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,326/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$9,117
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$289/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$589/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,378/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,142
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$276/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,254
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,380/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,722
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$371/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,914/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$13,040
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$355/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$724/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,490/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).