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$6,514
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$206/mo
Today · 4.125%
HK$6,922
baseline
▲ 0.50% · 4.625%
HK$7,343
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,844/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$7,246
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$197/mo
Today · 4.125%
HK$7,638
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,276/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$7,816
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$247/mo
Today · 4.125%
HK$8,306
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$506/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,612/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$8,696
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,929
−HK$236/mo
Today · 4.125%
HK$9,165
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,330/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$9,119
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$288/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,382/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$10,145
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$276/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,386/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$11,724
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$371/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$758/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,920/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$13,043
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$355/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,496/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).