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$6,865
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$217/mo
Today · 4.125%
HK$7,295
baseline
▲ 0.50% · 4.625%
HK$7,739
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,590/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$7,637
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$208/mo
Today · 4.125%
HK$8,050
baseline
▲ 0.50% · 4.625%
HK$8,474
+HK$424/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,100/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$8,238
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$260/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,287
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,508/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$9,164
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$250/mo
Today · 4.125%
HK$9,660
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,320/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$9,611
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,910
−HK$303/mo
Today · 4.125%
HK$10,213
baseline
▲ 0.50% · 4.625%
HK$10,835
+HK$622/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,426/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$10,692
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,979
−HK$290/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$595/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,538/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$12,357
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$391/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,264/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$13,747
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$374/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,978/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).