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$6,882
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,096
−HK$218/mo
Today · 4.125%
HK$7,314
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,628/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$7,656
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$208/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,140/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$8,258
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$261/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,552/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$9,187
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$250/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,368/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$9,635
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$304/mo
Today · 4.125%
HK$10,239
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$623/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,478/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,719
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$292/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,596/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$392/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,330/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$13,781
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$375/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$765/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,052/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).