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$6,886
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$217/mo
Today · 4.125%
HK$7,317
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$446/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$7,660
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$208/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,148/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$8,263
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$261/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,562/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$9,192
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$250/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,378/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$9,640
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,940
−HK$304/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,488/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$10,724
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$292/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$595/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,608/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$12,394
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$391/mo
Today · 4.125%
HK$13,171
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,342/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$13,788
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,158
−HK$375/mo
Today · 4.125%
HK$14,533
baseline
▲ 0.50% · 4.625%
HK$15,299
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,066/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).