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$6,888
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$218/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,640/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$7,663
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$208/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,503
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,154/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$8,266
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$261/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,568/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$9,196
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,442
−HK$250/mo
Today · 4.125%
HK$9,692
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,384/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$9,643
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,943
−HK$305/mo
Today · 4.125%
HK$10,248
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,496/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$10,728
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$292/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,616/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$12,399
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,784
−HK$392/mo
Today · 4.125%
HK$13,176
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,352/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$13,794
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$376/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,078/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).