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$6,490
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,691
−HK$206/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,316
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,794/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$7,220
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$197/mo
Today · 4.125%
HK$7,610
baseline
▲ 0.50% · 4.625%
HK$8,011
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,220/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$7,787
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,030
−HK$246/mo
Today · 4.125%
HK$8,276
baseline
▲ 0.50% · 4.625%
HK$8,779
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,552/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$8,664
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,896
−HK$236/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,264/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$9,085
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$287/mo
Today · 4.125%
HK$9,655
baseline
▲ 0.50% · 4.625%
HK$10,243
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,310/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$10,107
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$274/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,306/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$11,681
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$369/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$755/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,828/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$12,995
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$353/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,394/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).