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$6,527
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,730
−HK$207/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,874/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$7,262
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$198/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,308/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$7,833
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$248/mo
Today · 4.125%
HK$8,324
baseline
▲ 0.50% · 4.625%
HK$8,831
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,648/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$8,714
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,948
−HK$237/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,370/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$9,138
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$288/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,422/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,166
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$277/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$564/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,432/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,749
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$371/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,972/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$13,071
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$356/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,554/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).