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$6,886
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$218/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,636/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$7,661
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$209/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,150/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$8,263
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$262/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,564/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$9,193
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,440
−HK$250/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,380/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$9,641
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$304/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,490/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$10,725
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$292/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$595/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,610/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$12,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$391/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,344/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$13,789
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$375/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,068/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).