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$6,506
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,708
−HK$206/mo
Today · 4.125%
HK$6,914
baseline
▲ 0.50% · 4.625%
HK$7,334
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,828/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$7,237
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,432
−HK$196/mo
Today · 4.125%
HK$7,628
baseline
▲ 0.50% · 4.625%
HK$8,031
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,256/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$7,807
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$246/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,592/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$8,685
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$236/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,308/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$9,108
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,391
−HK$288/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,268
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,358/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,132
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$276/mo
Today · 4.125%
HK$10,680
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,360/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,710
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$371/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,890/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$13,027
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$354/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,462/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).