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$6,497
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,699
−HK$205/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,808/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,228
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$196/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,020
+HK$402/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,236/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$246/mo
Today · 4.125%
HK$8,285
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,570/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$8,673
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,906
−HK$236/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,624
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,284/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$9,096
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$287/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$588/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$19,332/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$10,119
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$276/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$562/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$21,332/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$11,694
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$370/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,856/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$13,010
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$354/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,426/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).