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$6,896
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,110
−HK$218/mo
Today · 4.125%
HK$7,328
baseline
▲ 0.50% · 4.625%
HK$7,774
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,656/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$7,672
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$209/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,512
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,172/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$8,275
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$261/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,329
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,588/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$9,206
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$250/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$512/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,406/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$9,654
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,955
−HK$305/mo
Today · 4.125%
HK$10,260
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,520/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,740
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$293/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$596/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,642/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$392/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,382/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$13,809
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$376/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,110/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).