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$6,496
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$206/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,808/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,227
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$197/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,236/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$246/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,789
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,568/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$8,673
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$236/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,282/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$9,095
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$287/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$588/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$19,330/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$10,118
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$276/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$562/mo
Deposit HK$855K · loan HK$1.99M · min. income ≈ HK$21,330/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$11,693
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$370/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,854/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$13,009
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$354/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,424/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).