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$6,890
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$217/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,644/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$7,665
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$208/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,158/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$8,268
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$261/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,574/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$9,198
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$250/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,390/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$9,646
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,946
−HK$305/mo
Today · 4.125%
HK$10,251
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,502/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,731
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$292/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$597/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$392/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,360/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$13,798
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$375/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,310
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,086/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).