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$6,883
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,097
−HK$218/mo
Today · 4.125%
HK$7,315
baseline
▲ 0.50% · 4.625%
HK$7,760
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,630/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$7,657
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$208/mo
Today · 4.125%
HK$8,071
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,142/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$8,260
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$261/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,554/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$9,189
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$250/mo
Today · 4.125%
HK$9,685
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,370/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$9,636
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$304/mo
Today · 4.125%
HK$10,240
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$623/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,480/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$10,720
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$291/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,895
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,598/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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$391/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,332/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$13,783
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$375/mo
Today · 4.125%
HK$14,528
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$765/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,056/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).