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$6,490
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,692
−HK$205/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,317
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,794/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$7,221
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,414
−HK$197/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,222/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$7,789
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,031
−HK$246/mo
Today · 4.125%
HK$8,277
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,554/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$8,665
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,897
−HK$236/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,266/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$9,087
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$287/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,312/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,109
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$275/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,310/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,683
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$369/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,830/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$12,997
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$353/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,398/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).