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$6,868
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,081
−HK$217/mo
Today · 4.125%
HK$7,298
baseline
▲ 0.50% · 4.625%
HK$7,742
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,596/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$7,640
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$208/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$424/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,106/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$8,241
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$260/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,516/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$9,168
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$250/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,328/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$9,615
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$304/mo
Today · 4.125%
HK$10,218
baseline
▲ 0.50% · 4.625%
HK$10,839
+HK$621/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,436/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,696
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$291/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$594/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,548/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,362
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$391/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,274/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$13,752
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$374/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,990/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).