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$6,894
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$218/mo
Today · 4.125%
HK$7,326
baseline
▲ 0.50% · 4.625%
HK$7,772
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,652/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$7,669
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$209/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,168/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$8,273
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$261/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,326
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,582/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$9,203
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$250/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$512/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,400/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$9,651
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$305/mo
Today · 4.125%
HK$10,256
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$625/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,512/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,737
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,025
−HK$292/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$597/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,634/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,409
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,795
−HK$392/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,989
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,374/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$13,805
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,175
−HK$375/mo
Today · 4.125%
HK$14,550
baseline
▲ 0.50% · 4.625%
HK$15,317
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,100/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).