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$6,884
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$218/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,761
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,632/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$7,659
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,864
−HK$208/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,144/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$8,261
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$261/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,558/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$9,190
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$250/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,374/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$9,638
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$304/mo
Today · 4.125%
HK$10,242
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,484/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,722
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$291/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,602/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$392/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,338/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$13,786
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$375/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,060/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).