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$6,877
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,091
−HK$217/mo
Today · 4.125%
HK$7,308
baseline
▲ 0.50% · 4.625%
HK$7,753
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,616/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$7,651
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,856
−HK$208/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,489
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,128/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$8,252
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$261/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,540/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$9,181
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$250/mo
Today · 4.125%
HK$9,677
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,354/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$9,628
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$305/mo
Today · 4.125%
HK$10,232
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$622/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,464/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$10,711
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$292/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,580/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$12,379
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$391/mo
Today · 4.125%
HK$13,155
baseline
▲ 0.50% · 4.625%
HK$13,955
+HK$800/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$26,310/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$13,771
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$375/mo
Today · 4.125%
HK$14,515
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$765/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$29,030/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).