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$6,539
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$207/mo
Today · 4.125%
HK$6,949
baseline
▲ 0.50% · 4.625%
HK$7,372
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,898/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$7,274
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$197/mo
Today · 4.125%
HK$7,667
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$405/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,334/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$7,847
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,091
−HK$248/mo
Today · 4.125%
HK$8,339
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,678/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$8,729
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,963
−HK$238/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,402/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$9,154
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$289/mo
Today · 4.125%
HK$9,728
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$592/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,456/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,184
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$277/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$566/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,468/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,770
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$372/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,016/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,094
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$356/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$287K (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).