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$6,534
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,738
−HK$206/mo
Today · 4.125%
HK$6,944
baseline
▲ 0.50% · 4.625%
HK$7,367
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,888/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$7,269
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$198/mo
Today · 4.125%
HK$7,662
baseline
▲ 0.50% · 4.625%
HK$8,066
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,324/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$7,841
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,085
−HK$248/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,840
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,666/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$8,723
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,957
−HK$238/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,679
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,390/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$9,148
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$289/mo
Today · 4.125%
HK$9,722
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$591/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$19,444/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$10,177
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$277/mo
Today · 4.125%
HK$10,727
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$565/mo
Deposit HK$860K · loan HK$2.01M · min. income ≈ HK$21,454/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$11,762
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$371/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$761/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$24,998/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$13,085
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$356/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$727/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,584/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).