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$6,494
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$205/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,802/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$7,224
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$196/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$402/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,228/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$7,792
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$246/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,562/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$8,669
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$236/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,274/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$9,091
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$287/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,322/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,114
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$275/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,320/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,688
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$369/mo
Today · 4.125%
HK$12,421
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,842/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$13,003
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,352
−HK$354/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,412/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).