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$6,885
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,099
−HK$218/mo
Today · 4.125%
HK$7,317
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,634/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$7,659
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$208/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,146/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$8,262
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$261/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,314
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,560/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$9,191
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$250/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,376/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$9,639
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$304/mo
Today · 4.125%
HK$10,243
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,486/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,723
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$292/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$595/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,393
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,778
−HK$392/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,972
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,340/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$13,787
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$375/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,298
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,064/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).