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$6,904
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,119
−HK$218/mo
Today · 4.125%
HK$7,337
baseline
▲ 0.50% · 4.625%
HK$7,783
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,674/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$7,680
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$209/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,522
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,190/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$8,285
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,542
−HK$262/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,340
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,608/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$9,217
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$250/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,227
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,428/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$9,665
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$305/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,542/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$10,753
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$293/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$597/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,668/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$12,427
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$393/mo
Today · 4.125%
HK$13,206
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$804/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,412/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$13,825
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$376/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$768/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,144/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).