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$6,899
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$218/mo
Today · 4.125%
HK$7,332
baseline
▲ 0.50% · 4.625%
HK$7,778
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,664/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$7,675
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$209/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,180/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$8,279
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$262/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$535/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,596/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$9,210
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$251/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$511/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,416/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$9,659
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,959
−HK$305/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,528/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$10,745
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$293/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,652/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$12,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$392/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,394/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$13,815
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$376/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$767/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,124/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).