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$6,494
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,696
−HK$205/mo
Today · 4.125%
HK$6,901
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,802/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$7,225
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$197/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,230/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$7,793
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,035
−HK$247/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,564/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$8,669
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$236/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,276/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$9,092
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$288/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,324/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$10,114
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$275/mo
Today · 4.125%
HK$10,661
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,322/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$11,689
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$369/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,844/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$13,004
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$354/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,414/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).