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$6,509
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,712
−HK$205/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,834/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$7,241
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$198/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,266/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$7,811
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$247/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,602/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$8,690
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$236/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,318/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$9,113
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$288/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,368/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,138
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$276/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,249
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,372/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$370/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$758/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,902/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$13,034
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$355/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,478/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).