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$6,878
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$218/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,620/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,652
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$209/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,491
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,132/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,254
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$261/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,305
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,544/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,183
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$250/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,358/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,630
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,929
−HK$305/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$622/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,468/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,713
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$292/mo
Today · 4.125%
HK$11,292
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,584/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$392/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$800/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$26,316/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,774
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$375/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$765/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$302K (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).