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$6,866
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$217/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$443/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,594/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$7,638
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$208/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$424/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,102/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$8,239
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$261/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,512/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,166
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$249/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,322/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,612
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,911
−HK$304/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$622/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,694
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$291/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$595/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,542/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,359
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$391/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,268/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,749
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$374/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,984/mo (50% DSR)
Upfront cash ≈ HK$301K (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).