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$6,898
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,113
−HK$218/mo
Today · 4.125%
HK$7,331
baseline
▲ 0.50% · 4.625%
HK$7,777
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,662/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$7,675
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$209/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,178/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$8,278
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$261/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,594/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$9,209
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$251/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,414/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$9,658
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$306/mo
Today · 4.125%
HK$10,264
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$624/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,528/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,744
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,032
−HK$293/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$597/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,650/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,417
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$392/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$803/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,814
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,185
−HK$375/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$768/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$303K (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).