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$6,864
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$217/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,739
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,590/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$7,636
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$208/mo
Today · 4.125%
HK$8,049
baseline
▲ 0.50% · 4.625%
HK$8,473
+HK$424/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,098/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$8,237
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$261/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$532/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,508/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,164
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$249/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,318/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,610
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,909
−HK$304/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,834
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,426/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,691
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$291/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,538/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$391/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,746
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$374/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$301K (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).