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$6,530
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,733
−HK$206/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,878/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$7,264
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$198/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,314/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$7,836
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$248/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,834
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,654/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$8,717
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,951
−HK$237/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,376/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$9,142
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,426
−HK$289/mo
Today · 4.125%
HK$9,715
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,430/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$10,170
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$276/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,438/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$11,753
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$371/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,980/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$13,076
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$356/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,564/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).