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$432/mo
▼ 0.25% · 3.875%
HK$7,101
−HK$217/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,764
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,636/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$7,661
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,867
−HK$208/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,150/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$8,264
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$261/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,564/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$9,193
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,440
−HK$250/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,380/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$9,641
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$305/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$623/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,492/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$10,726
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$292/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,610/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$12,396
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$392/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,346/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$13,790
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$375/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,070/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).