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$6,531
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$207/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,363
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,882/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$7,266
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$197/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,316/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$7,837
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,081
−HK$248/mo
Today · 4.125%
HK$8,329
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,658/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$8,719
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,953
−HK$237/mo
Today · 4.125%
HK$9,190
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,380/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$9,144
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,428
−HK$289/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,172
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$277/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,444/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,756
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$371/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$761/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,986/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$13,079
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$356/mo
Today · 4.125%
HK$13,785
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$727/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,570/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).