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$6,488
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$205/mo
Today · 4.125%
HK$6,895
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,790/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$7,218
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$196/mo
Today · 4.125%
HK$7,608
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,216/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$7,786
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$246/mo
Today · 4.125%
HK$8,274
baseline
▲ 0.50% · 4.625%
HK$8,777
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,548/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$8,662
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,894
−HK$235/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,258/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$9,083
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$287/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,240
+HK$587/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,306/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$10,105
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$275/mo
Today · 4.125%
HK$10,651
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,302/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$11,679
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$369/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$755/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,822/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$12,992
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$353/mo
Today · 4.125%
HK$13,694
baseline
▲ 0.50% · 4.625%
HK$14,416
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,388/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).