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$6,531
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$206/mo
Today · 4.125%
HK$6,940
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,880/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$7,265
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$198/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,316/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$7,837
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$247/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,656/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$8,718
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$237/mo
Today · 4.125%
HK$9,189
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,378/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$9,143
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$289/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$592/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,432/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,172
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$277/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,442/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,755
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$372/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,986/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$13,078
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$727/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,568/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).