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$6,512
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,714
−HK$206/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,341
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,840/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$7,244
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$197/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,272/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$7,814
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,057
−HK$247/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,608/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$8,693
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,926
−HK$237/mo
Today · 4.125%
HK$9,163
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,326/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$9,117
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$288/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,376/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,142
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$276/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$563/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,380/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,721
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$370/mo
Today · 4.125%
HK$12,456
baseline
▲ 0.50% · 4.625%
HK$13,214
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,912/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,040
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,389
−HK$355/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$286K (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).