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$6,529
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,732
−HK$207/mo
Today · 4.125%
HK$6,939
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,878/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$7,264
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,459
−HK$197/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,312/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$7,835
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$248/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$506/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,654/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$8,717
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$238/mo
Today · 4.125%
HK$9,188
baseline
▲ 0.50% · 4.625%
HK$9,672
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,376/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$9,141
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$289/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,428/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$10,169
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$277/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,438/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$11,753
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$372/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,980/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$13,075
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$355/mo
Today · 4.125%
HK$13,781
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$727/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,562/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).