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$6,879
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,093
−HK$217/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,755
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,620/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$7,653
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$208/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,491
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,132/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$8,255
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$261/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,544/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$9,183
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,430
−HK$249/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,358/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$9,630
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,930
−HK$304/mo
Today · 4.125%
HK$10,234
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$623/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,468/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$10,714
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$292/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,586/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$12,382
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$391/mo
Today · 4.125%
HK$13,158
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,316/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$13,775
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$375/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$765/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,038/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).