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$6,526
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,729
−HK$206/mo
Today · 4.125%
HK$6,935
baseline
▲ 0.50% · 4.625%
HK$7,357
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,870/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$7,260
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,455
−HK$197/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,056
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,304/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$7,831
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,075
−HK$247/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$507/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,644/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$8,712
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,946
−HK$237/mo
Today · 4.125%
HK$9,183
baseline
▲ 0.50% · 4.625%
HK$9,667
+HK$484/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,366/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$9,136
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$288/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,418/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,164
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$276/mo
Today · 4.125%
HK$10,713
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,426/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,747
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$372/mo
Today · 4.125%
HK$12,484
baseline
▲ 0.50% · 4.625%
HK$13,243
+HK$759/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,968/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$13,068
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,419
−HK$355/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,548/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).