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$6,875
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,089
−HK$217/mo
Today · 4.125%
HK$7,306
baseline
▲ 0.50% · 4.625%
HK$7,751
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,612/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$7,648
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,853
−HK$208/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,486
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,122/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$8,250
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,506
−HK$261/mo
Today · 4.125%
HK$8,767
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,534/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$9,178
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$250/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,348/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$9,625
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,924
−HK$304/mo
Today · 4.125%
HK$10,228
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$623/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,456/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$10,708
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,995
−HK$291/mo
Today · 4.125%
HK$11,286
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,572/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$12,375
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$391/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,302/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$13,767
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$375/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,022/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).