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$6,894
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$218/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,654/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$7,670
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$208/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,168/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$8,273
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$261/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,584/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$9,204
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$250/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$512/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,402/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$9,652
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,952
−HK$305/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$625/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,514/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$10,738
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$292/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$597/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,636/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$12,410
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,796
−HK$392/mo
Today · 4.125%
HK$13,188
baseline
▲ 0.50% · 4.625%
HK$13,991
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,376/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$13,806
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$376/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,104/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).