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$6,518
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$206/mo
Today · 4.125%
HK$6,927
baseline
▲ 0.50% · 4.625%
HK$7,349
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,854/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$7,252
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,446
−HK$197/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,046
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,286/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$7,822
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$247/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,624/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$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$237/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$483/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,344/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$9,126
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$289/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$590/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,396/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,152
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$277/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,402/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,733
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$371/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,938/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$13,053
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$355/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,516/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).