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$6,880
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$218/mo
Today · 4.125%
HK$7,312
baseline
▲ 0.50% · 4.625%
HK$7,757
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,624/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$7,654
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$208/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,136/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$8,256
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$261/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,548/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$9,185
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,432
−HK$250/mo
Today · 4.125%
HK$9,682
baseline
▲ 0.50% · 4.625%
HK$10,192
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,364/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$9,633
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,932
−HK$305/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,860
+HK$623/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,474/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,716
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$291/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,590/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,385
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$391/mo
Today · 4.125%
HK$13,161
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,322/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$13,778
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$375/mo
Today · 4.125%
HK$14,522
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,044/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).