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$6,520
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,723
−HK$206/mo
Today · 4.125%
HK$6,929
baseline
▲ 0.50% · 4.625%
HK$7,350
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,858/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$7,253
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,448
−HK$197/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,290/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$7,824
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$247/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,820
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,628/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$8,704
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,937
−HK$237/mo
Today · 4.125%
HK$9,174
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$484/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,348/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$9,128
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$288/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$590/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,400/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$10,154
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,427
−HK$276/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,406/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$11,735
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,101
−HK$370/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$759/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,942/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$13,056
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$355/mo
Today · 4.125%
HK$13,761
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,522/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).