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$6,527
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,730
−HK$206/mo
Today · 4.125%
HK$6,936
baseline
▲ 0.50% · 4.625%
HK$7,358
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,872/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$7,261
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$197/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,056
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,306/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$7,832
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,076
−HK$247/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$507/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,646/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$8,713
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,947
−HK$237/mo
Today · 4.125%
HK$9,184
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$484/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,368/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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,420/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$10,165
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$276/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,428/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$11,748
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$372/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$759/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,970/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$13,069
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,420
−HK$356/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,552/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).