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$6,542
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,746
−HK$206/mo
Today · 4.125%
HK$6,952
baseline
▲ 0.50% · 4.625%
HK$7,375
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,904/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$7,278
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$198/mo
Today · 4.125%
HK$7,671
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$405/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,342/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$7,851
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,095
−HK$248/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,686/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$8,734
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$237/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,691
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,410/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$9,159
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$289/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$593/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,466/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,189
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$277/mo
Today · 4.125%
HK$10,740
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,480/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,776
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$372/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,028/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$13,100
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$356/mo
Today · 4.125%
HK$13,808
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$728/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,616/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).