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$430/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$217/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,588/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$412/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$207/mo
Today · 4.125%
HK$8,048
baseline
▲ 0.50% · 4.625%
HK$8,473
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,096/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$8,236
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$260/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,506/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$9,163
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$249/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,316/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$9,609
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$304/mo
Today · 4.125%
HK$10,212
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,424/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$10,690
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$291/mo
Today · 4.125%
HK$11,268
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,536/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$12,355
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$391/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,260/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$13,745
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$374/mo
Today · 4.125%
HK$14,487
baseline
▲ 0.50% · 4.625%
HK$15,251
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,974/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).