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$6,892
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,106
−HK$218/mo
Today · 4.125%
HK$7,324
baseline
▲ 0.50% · 4.625%
HK$7,770
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,648/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$7,667
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,873
−HK$208/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,507
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,162/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$8,270
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$261/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,578/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$9,201
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$251/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,396/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$9,649
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,949
−HK$305/mo
Today · 4.125%
HK$10,254
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,508/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$10,734
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$292/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$596/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,628/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$12,406
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$392/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,366/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$13,801
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$376/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,094/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).