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$6,874
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,088
−HK$217/mo
Today · 4.125%
HK$7,305
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,610/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$7,647
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$208/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,120/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$8,249
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$261/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,299
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,532/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$9,176
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$249/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,344/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$9,623
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,923
−HK$304/mo
Today · 4.125%
HK$10,227
baseline
▲ 0.50% · 4.625%
HK$10,849
+HK$622/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,454/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$10,706
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$291/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$595/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,568/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$12,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$391/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,298/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$13,765
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$374/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$765/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,016/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).