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$6,493
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,695
−HK$205/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,320
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,800/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,223
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,417
−HK$197/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,228/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,792
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$246/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,560/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$8,668
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,901
−HK$235/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,272/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$9,090
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$287/mo
Today · 4.125%
HK$9,660
baseline
▲ 0.50% · 4.625%
HK$10,248
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,320/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,113
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$275/mo
Today · 4.125%
HK$10,659
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,318/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,687
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$369/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,840/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$13,002
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$354/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,410/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).