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$6,878
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$217/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,618/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$7,651
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$208/mo
Today · 4.125%
HK$8,065
baseline
▲ 0.50% · 4.625%
HK$8,490
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,130/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$8,253
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,510
−HK$261/mo
Today · 4.125%
HK$8,771
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,542/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$9,182
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,428
−HK$250/mo
Today · 4.125%
HK$9,678
baseline
▲ 0.50% · 4.625%
HK$10,188
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,356/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$9,629
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$305/mo
Today · 4.125%
HK$10,233
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$622/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,466/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$10,712
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,999
−HK$292/mo
Today · 4.125%
HK$11,291
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,582/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$12,380
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,765
−HK$391/mo
Today · 4.125%
HK$13,156
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$801/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$26,312/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$13,772
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,142
−HK$375/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,282
+HK$765/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$29,034/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).