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$6,501
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$205/mo
Today · 4.125%
HK$6,908
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,816/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$7,232
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$197/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$401/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,246/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$7,801
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$247/mo
Today · 4.125%
HK$8,290
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,580/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$8,678
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$236/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,294/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$9,101
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$288/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$588/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$19,344/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$10,125
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$276/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$562/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$21,344/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$11,701
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,065
−HK$370/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,191
+HK$756/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,870/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$13,017
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$355/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$723/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,442/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).