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$6,511
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,713
−HK$206/mo
Today · 4.125%
HK$6,919
baseline
▲ 0.50% · 4.625%
HK$7,340
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,838/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$7,243
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$197/mo
Today · 4.125%
HK$7,634
baseline
▲ 0.50% · 4.625%
HK$8,037
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,268/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$7,813
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$247/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,606/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$8,692
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$236/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,322/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$9,115
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$288/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,276
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,372/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,140
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$276/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$563/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,376/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,719
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$370/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,908/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$13,037
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$355/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$724/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,484/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).