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$6,893
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,107
−HK$218/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,771
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,650/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$7,668
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,874
−HK$209/mo
Today · 4.125%
HK$8,083
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,166/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$8,272
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$261/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,580/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$9,202
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$250/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,398/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$9,650
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,950
−HK$305/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,879
+HK$624/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,510/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$10,736
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$292/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$596/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,632/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$12,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$392/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,988
+HK$803/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,370/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$13,803
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$376/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,098/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).