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$6,499
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,701
−HK$206/mo
Today · 4.125%
HK$6,907
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,814/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$7,230
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$197/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,023
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,242/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$7,799
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,042
−HK$246/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,792
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,576/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$8,676
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$236/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,290/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$9,099
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$288/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$588/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$19,340/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,123
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$275/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,232
+HK$563/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$21,338/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,699
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$369/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,864/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$13,015
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$354/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$723/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,436/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).