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$6,908
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$219/mo
Today · 4.125%
HK$7,341
baseline
▲ 0.50% · 4.625%
HK$7,787
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,682/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$7,685
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,891
−HK$209/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,200/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$8,289
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$262/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,345
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,618/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$9,221
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$251/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,440/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$9,671
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$306/mo
Today · 4.125%
HK$10,277
baseline
▲ 0.50% · 4.625%
HK$10,902
+HK$625/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,554/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,758
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,047
−HK$293/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$597/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,680/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,434
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$393/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$14,017
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,832
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,203
−HK$376/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,348
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$303K (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).