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$6,507
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$205/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,336
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,830/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$7,239
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,433
−HK$197/mo
Today · 4.125%
HK$7,630
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,260/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$7,809
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,052
−HK$246/mo
Today · 4.125%
HK$8,298
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,596/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$8,687
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,920
−HK$236/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,312/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$9,110
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$287/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$590/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,362/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$10,135
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$276/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,366/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$11,713
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$371/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,896/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$13,031
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$355/mo
Today · 4.125%
HK$13,735
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,470/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).