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$6,495
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,697
−HK$205/mo
Today · 4.125%
HK$6,902
baseline
▲ 0.50% · 4.625%
HK$7,322
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,804/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$7,225
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$197/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,232/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$7,794
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,036
−HK$246/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,564/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$8,670
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$236/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,278/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$9,093
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$288/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,326/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,115
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$275/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,224
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,324/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,690
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$369/mo
Today · 4.125%
HK$12,423
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,846/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$13,005
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$354/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,416/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).