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$6,872
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,086
−HK$217/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,748
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,606/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$7,645
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$208/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,483
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,116/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$8,247
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$261/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,528/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$9,175
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$249/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,340/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$9,621
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$304/mo
Today · 4.125%
HK$10,225
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$622/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,450/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$10,704
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$291/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,877
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,564/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$12,370
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$391/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,292/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$13,762
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$374/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$765/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,010/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).