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$6,521
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,724
−HK$206/mo
Today · 4.125%
HK$6,930
baseline
▲ 0.50% · 4.625%
HK$7,351
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,860/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$7,254
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$197/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,292/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$7,825
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$248/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,822
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,632/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$8,705
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,939
−HK$237/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$483/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,352/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$9,129
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$289/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$590/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,404/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,156
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$277/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,737
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$371/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,948/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$13,058
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$355/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$726/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,526/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).