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$6,501
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,704
−HK$205/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,330
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,818/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$7,233
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$197/mo
Today · 4.125%
HK$7,624
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$401/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,248/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$7,802
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,044
−HK$247/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,582/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$8,679
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$236/mo
Today · 4.125%
HK$9,148
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,296/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$9,102
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$288/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$588/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$19,346/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,126
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$275/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$563/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$21,346/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,703
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$370/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$756/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,874/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$13,019
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$354/mo
Today · 4.125%
HK$13,722
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,444/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).