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$6,905
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,120
−HK$218/mo
Today · 4.125%
HK$7,338
baseline
▲ 0.50% · 4.625%
HK$7,784
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,676/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$7,682
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$209/mo
Today · 4.125%
HK$8,097
baseline
▲ 0.50% · 4.625%
HK$8,523
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,194/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$8,286
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$261/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,610/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$9,218
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$251/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,432/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$9,667
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,968
−HK$305/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,546/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,754
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,043
−HK$292/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$598/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,670/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$393/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$376/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$768/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$303K (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).