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$6,536
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,740
−HK$206/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,369
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,892/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$7,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$198/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,328/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$7,843
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$248/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,670/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$8,726
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$237/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$485/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,394/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$9,151
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$290/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$591/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,450/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$566/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,765
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$372/mo
Today · 4.125%
HK$12,503
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,006/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,089
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$356/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$287K (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).