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$6,515
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$205/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,846/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$7,248
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,442
−HK$197/mo
Today · 4.125%
HK$7,639
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,278/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$7,818
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,061
−HK$247/mo
Today · 4.125%
HK$8,308
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$506/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,616/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$8,697
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$236/mo
Today · 4.125%
HK$9,167
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,334/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$9,121
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$288/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,386/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,147
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,419
−HK$276/mo
Today · 4.125%
HK$10,695
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,390/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,727
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$370/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,924/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$13,046
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,502/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).