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$6,523
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$207/mo
Today · 4.125%
HK$6,932
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,864/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$7,256
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,451
−HK$197/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,052
+HK$404/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,296/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$7,827
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,071
−HK$247/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$506/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$16,636/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$8,708
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,941
−HK$237/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$484/mo
Deposit HK$1.14M · loan HK$1.72M · min. income ≈ HK$18,356/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$9,132
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$288/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$591/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$19,408/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,159
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$277/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$564/mo
Deposit HK$858K · loan HK$2.00M · min. income ≈ HK$21,416/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,741
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$371/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$759/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,954/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,061
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$355/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$726/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$286K (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).