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$6,895
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,109
−HK$218/mo
Today · 4.125%
HK$7,327
baseline
▲ 0.50% · 4.625%
HK$7,773
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,654/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$7,671
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$209/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,170/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$8,274
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$262/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,586/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$9,205
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$250/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,404/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$9,653
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$305/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,516/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$10,739
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$292/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$597/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,638/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$12,411
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$392/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,378/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$13,807
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$376/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,106/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).