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$6,538
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$206/mo
Today · 4.125%
HK$6,947
baseline
▲ 0.50% · 4.625%
HK$7,370
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,894/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$7,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$198/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,332/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$7,845
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,089
−HK$248/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,844
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,674/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$8,728
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$237/mo
Today · 4.125%
HK$9,199
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,398/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$9,153
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$289/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,318
+HK$592/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,452/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$10,182
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$277/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$566/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,464/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$11,768
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,134
−HK$371/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,010/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$13,091
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$357/mo
Today · 4.125%
HK$13,799
baseline
▲ 0.50% · 4.625%
HK$14,526
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,598/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).