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$6,541
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$206/mo
Today · 4.125%
HK$6,951
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,902/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$7,277
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$198/mo
Today · 4.125%
HK$7,670
baseline
▲ 0.50% · 4.625%
HK$8,075
+HK$405/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,340/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$7,849
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$248/mo
Today · 4.125%
HK$8,342
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,684/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$8,732
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$237/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,408/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$9,158
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$289/mo
Today · 4.125%
HK$9,732
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$592/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,464/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,188
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$277/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,476/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,774
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$373/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,026/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$13,099
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$356/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,612/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).