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$6,513
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$206/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,343
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,844/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$7,246
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$197/mo
Today · 4.125%
HK$7,637
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,274/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$7,816
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$247/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$506/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,612/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$8,695
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,928
−HK$237/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,330/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$9,119
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$288/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,280
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,380/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,144
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$276/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,384/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,724
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$370/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,918/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$13,043
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$354/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,494/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).