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$6,871
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$217/mo
Today · 4.125%
HK$7,302
baseline
▲ 0.50% · 4.625%
HK$7,746
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,604/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$7,644
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,849
−HK$208/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,114/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$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$260/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,296
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,524/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$9,173
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$250/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$509/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,338/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$9,620
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,919
−HK$304/mo
Today · 4.125%
HK$10,223
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$622/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,446/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$10,702
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$291/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,560/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$12,368
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$391/mo
Today · 4.125%
HK$13,144
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,288/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$13,759
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,128
−HK$375/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,006/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).