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$6,516
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$206/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,850/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$7,249
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$197/mo
Today · 4.125%
HK$7,641
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,282/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$7,819
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,063
−HK$247/mo
Today · 4.125%
HK$8,310
baseline
▲ 0.50% · 4.625%
HK$8,815
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,620/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$8,699
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,932
−HK$237/mo
Today · 4.125%
HK$9,169
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,338/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$9,123
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,406
−HK$289/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,390/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,149
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$276/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,394/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,729
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$371/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,930/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$13,048
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$355/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,506/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).