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$6,492
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$205/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,318
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,798/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$7,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$196/mo
Today · 4.125%
HK$7,612
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,224/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$7,790
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$246/mo
Today · 4.125%
HK$8,278
baseline
▲ 0.50% · 4.625%
HK$8,782
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,556/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$8,666
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$235/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,268/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$9,088
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$287/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,316/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$10,111
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$275/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,314/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$11,685
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$370/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$755/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,836/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$12,999
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$354/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,404/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).