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$431/mo
▼ 0.25% · 3.875%
HK$7,098
−HK$217/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,630/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$7,658
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$209/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,497
+HK$425/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$8,260
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,517
−HK$261/mo
Today · 4.125%
HK$8,778
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,556/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$496/mo
▼ 0.25% · 3.875%
HK$9,436
−HK$250/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,197
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,372/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$9,637
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,937
−HK$304/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,865
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,482/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$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$291/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,600/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$12,391
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,776
−HK$392/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,336/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$13,784
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,154
−HK$375/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,295
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,058/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).