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$408/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$206/mo
Today · 4.125%
HK$6,906
baseline
▲ 0.50% · 4.625%
HK$7,326
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,812/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$7,229
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,423
−HK$197/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$402/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,240/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$7,798
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,041
−HK$246/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,574/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$8,675
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$236/mo
Today · 4.125%
HK$9,144
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,288/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$9,098
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$287/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$588/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$19,336/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$10,121
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$276/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$562/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$21,336/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$11,697
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$369/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$757/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,860/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$13,013
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$354/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,432/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).