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$6,503
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,705
−HK$206/mo
Today · 4.125%
HK$6,911
baseline
▲ 0.50% · 4.625%
HK$7,331
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,822/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$7,235
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$196/mo
Today · 4.125%
HK$7,625
baseline
▲ 0.50% · 4.625%
HK$8,027
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,250/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$7,804
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,046
−HK$247/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,586/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$8,681
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,914
−HK$236/mo
Today · 4.125%
HK$9,150
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,300/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$9,104
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$288/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,350/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,128
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$276/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$562/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,352/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,705
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$370/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,878/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,022
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$355/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$723/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$285K (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).