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$6,498
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$205/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,325
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,810/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$7,229
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$197/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$402/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,238/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$7,797
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,040
−HK$246/mo
Today · 4.125%
HK$8,286
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,572/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$8,674
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,907
−HK$236/mo
Today · 4.125%
HK$9,143
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,286/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$9,097
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$287/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$588/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$19,334/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$10,120
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,391
−HK$276/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$562/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$21,334/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$11,696
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$369/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,186
+HK$757/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,858/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$13,012
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$354/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,428/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).