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$6,901
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$219/mo
Today · 4.125%
HK$7,334
baseline
▲ 0.50% · 4.625%
HK$7,780
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,668/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$7,677
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,883
−HK$209/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,184/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$8,281
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$261/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,600/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$9,212
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$250/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,420/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$9,661
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$305/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,534/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,748
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$293/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$597/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,658/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$392/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$14,004
+HK$804/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,400/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$13,819
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,189
−HK$376/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$768/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,130/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).