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$6,489
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$206/mo
Today · 4.125%
HK$6,896
baseline
▲ 0.50% · 4.625%
HK$7,315
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,792/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$7,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,412
−HK$197/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,218/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$7,786
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,029
−HK$246/mo
Today · 4.125%
HK$8,275
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,550/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$8,662
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,895
−HK$235/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,260/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$9,084
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$287/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$587/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,308/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$10,106
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$275/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$561/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,304/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$11,680
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$369/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$755/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,824/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$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$353/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,390/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).