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$6,533
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$207/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,886/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$7,268
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$198/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,322/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$7,840
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$248/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,662/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$8,721
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$238/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,386/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$9,146
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$289/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,311
+HK$591/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,440/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$10,175
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$277/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$565/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,450/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$11,759
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$372/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$760/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$24,994/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$13,082
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$356/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,578/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).