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$6,532
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$206/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,882/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$7,266
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$198/mo
Today · 4.125%
HK$7,659
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,318/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$7,838
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$247/mo
Today · 4.125%
HK$8,329
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,658/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$8,720
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$238/mo
Today · 4.125%
HK$9,191
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,382/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$9,144
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$289/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$591/mo
Deposit HK$859K · loan HK$2.01M · min. income ≈ HK$19,436/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$10,173
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$276/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$566/mo
Deposit HK$859K · loan HK$2.01M · min. income ≈ HK$21,444/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$11,757
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$372/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,988/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$13,079
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$356/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$727/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,572/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).