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$6,870
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$217/mo
Today · 4.125%
HK$7,300
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,600/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$7,642
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$208/mo
Today · 4.125%
HK$8,055
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,110/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$8,244
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$260/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,520/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$9,171
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$249/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,176
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,332/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$9,617
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$304/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,842
+HK$621/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,442/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,699
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$291/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,554/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,365
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$391/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,282/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$13,756
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$374/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$765/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,998/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).