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$6,880
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$217/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,622/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$7,654
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$208/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,134/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$8,256
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$261/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,548/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$9,185
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$250/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,362/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$9,632
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,931
−HK$305/mo
Today · 4.125%
HK$10,236
baseline
▲ 0.50% · 4.625%
HK$10,859
+HK$623/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,472/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$10,715
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$291/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$596/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,588/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$12,384
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$391/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,320/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$13,777
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$375/mo
Today · 4.125%
HK$14,521
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,042/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).