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$6,881
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$218/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,758
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,626/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$7,655
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$208/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,494
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,138/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$8,258
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$261/mo
Today · 4.125%
HK$8,775
baseline
▲ 0.50% · 4.625%
HK$9,309
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,550/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$9,186
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$250/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,366/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$9,634
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$305/mo
Today · 4.125%
HK$10,238
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$623/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,476/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,717
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$291/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$596/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,592/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$391/mo
Today · 4.125%
HK$13,163
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,326/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,149
−HK$375/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$302K (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).