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$6,900
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$218/mo
Today · 4.125%
HK$7,333
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,666/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$7,676
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$209/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,182/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$8,280
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$262/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$535/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,600/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$9,212
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$250/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,418/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$9,660
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$305/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,532/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,747
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$293/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$597/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,656/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,807
−HK$392/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$803/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,818
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$376/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$768/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$303K (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).