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$6,885
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,099
−HK$217/mo
Today · 4.125%
HK$7,316
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,632/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$7,659
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$208/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,146/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$8,262
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$261/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,314
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,560/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$9,191
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$250/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,374/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$9,639
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,938
−HK$305/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$623/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,486/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$10,723
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$292/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,604/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$12,392
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$391/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,971
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,338/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$13,786
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,156
−HK$375/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,062/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).