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$6,897
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,112
−HK$218/mo
Today · 4.125%
HK$7,330
baseline
▲ 0.50% · 4.625%
HK$7,776
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,660/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$7,673
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,879
−HK$209/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,514
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,176/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$8,277
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,534
−HK$262/mo
Today · 4.125%
HK$8,796
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,592/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$9,208
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$250/mo
Today · 4.125%
HK$9,705
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$512/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,410/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$9,656
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$305/mo
Today · 4.125%
HK$10,262
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,524/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$10,742
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$292/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$597/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,646/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$12,415
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$393/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,997
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,388/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$13,812
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$376/mo
Today · 4.125%
HK$14,558
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,116/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).