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$6,535
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$207/mo
Today · 4.125%
HK$6,945
baseline
▲ 0.50% · 4.625%
HK$7,368
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,890/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$7,270
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,465
−HK$198/mo
Today · 4.125%
HK$7,663
baseline
▲ 0.50% · 4.625%
HK$8,067
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,326/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$7,842
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,086
−HK$248/mo
Today · 4.125%
HK$8,334
baseline
▲ 0.50% · 4.625%
HK$8,841
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,668/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$8,724
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,958
−HK$238/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,392/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$9,149
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$289/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$592/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,446/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,178
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$277/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$566/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,456/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,763
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$372/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,002/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,087
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$356/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,588/mo (50% DSR)
Upfront cash ≈ HK$287K (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).