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$6,495
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$206/mo
Today · 4.125%
HK$6,903
baseline
▲ 0.50% · 4.625%
HK$7,323
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,806/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,226
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$196/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,018
+HK$402/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,232/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,794
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$246/mo
Today · 4.125%
HK$8,283
baseline
▲ 0.50% · 4.625%
HK$8,787
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,566/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$8,671
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$236/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,621
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,280/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$9,093
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$288/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$588/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$19,328/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,116
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$275/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$562/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$21,326/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,691
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$370/mo
Today · 4.125%
HK$12,425
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,850/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$13,007
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,355
−HK$354/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,418/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).