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$6,503
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$205/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,332
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,822/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$7,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$197/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,252/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$7,804
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$246/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,586/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$8,682
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$236/mo
Today · 4.125%
HK$9,151
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,302/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$9,105
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$288/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$588/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,352/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,129
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$276/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,352/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,706
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$370/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,880/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$13,023
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$354/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,452/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).