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$6,524
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$207/mo
Today · 4.125%
HK$6,934
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,868/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$7,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$197/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,054
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,300/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$7,829
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,073
−HK$247/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,640/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$8,710
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,944
−HK$237/mo
Today · 4.125%
HK$9,181
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$483/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,362/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$9,134
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$289/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$591/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,414/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,162
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$277/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,275
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,422/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,744
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$371/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,960/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$13,065
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$356/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,542/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).