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$6,500
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,702
−HK$206/mo
Today · 4.125%
HK$6,908
baseline
▲ 0.50% · 4.625%
HK$7,328
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,816/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$7,232
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$197/mo
Today · 4.125%
HK$7,622
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,244/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$7,800
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$246/mo
Today · 4.125%
HK$8,289
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,578/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$8,678
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,911
−HK$236/mo
Today · 4.125%
HK$9,147
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,294/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$9,100
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$288/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$589/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$19,342/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$10,124
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$275/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$563/mo
Deposit HK$855K · loan HK$2.00M · min. income ≈ HK$21,342/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$11,701
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,064
−HK$370/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,191
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,868/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$13,017
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$354/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$723/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,440/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).