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$6,536
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,739
−HK$207/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,368
+HK$422/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,892/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$7,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$198/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,328/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$7,843
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$248/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,670/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$8,725
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,959
−HK$238/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,681
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,394/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$9,150
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$289/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$592/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,448/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$565/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,765
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$371/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,004/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$13,088
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$356/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,590/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).