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$6,534
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,737
−HK$206/mo
Today · 4.125%
HK$6,943
baseline
▲ 0.50% · 4.625%
HK$7,366
+HK$423/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$8,065
+HK$404/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$492/mo
▼ 0.25% · 3.875%
HK$8,084
−HK$248/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,664/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$8,722
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,956
−HK$237/mo
Today · 4.125%
HK$9,193
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$485/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$9,147
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$289/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$592/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$10,176
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$277/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$565/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,452/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$11,760
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$372/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$760/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$24,996/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$13,083
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$356/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,517
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,580/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).