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$6,533
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,736
−HK$206/mo
Today · 4.125%
HK$6,942
baseline
▲ 0.50% · 4.625%
HK$7,365
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,884/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$7,268
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$198/mo
Today · 4.125%
HK$7,660
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,320/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$7,839
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$248/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,662/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$8,721
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$237/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,677
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,384/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$9,146
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,430
−HK$289/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,311
+HK$592/mo
Deposit HK$859K · loan HK$2.01M · min. income ≈ HK$19,438/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,175
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$277/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$566/mo
Deposit HK$859K · loan HK$2.01M · min. income ≈ HK$21,448/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,759
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$371/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$761/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,992/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$13,082
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$356/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$727/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,576/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).